I signed up a few months back. Didn't really want to, but we moved and our car insurance almost doubled unexpectedly. I didn't really want to participate, but it was hard to say no to the hundreds of dollars of sign up discount on principle alone. I also know I'm going to be switching insurance in a few months when I'm up for renewal anyway.
As much as I don't like anyone tracking my driving, it's really not that bad. They're only recording acceleration, deceleration, kms travelled, and time of day. My car is a beater and I have all the fun on my bike anyway.
After a few months, we're still at about 5% additional discount. The criteria is ridiculous. While I will say most of our penalties are from my wife's accelerations (I can see the exact time they occured
), its insane that we don't qualify for more. You would be shocked how slow 12/kmh/second actually is. If we don't accelerate slower than that, I don't know who does. We are far from speed daemons, we keep safe following distance, always signal and check blind spots, don't use our phones while driving, ect, ect, ect. I don't believe they can accurately assess driving from the stats they're recording.
For anyone that's interested, this is what they say about increasing your discounts:
The following three driving aspects are taken into consideration when calculating your potential discount:
1. Rapid acceleration
2. Hard braking
3. Trips during high-risk periods (Trips between 12 a.m. and 4 a.m.)
The better your driving habits, the more you could save. Here’s how it works.
1. Rapid acceleration is defined as any increase of speed of 12 km/h or more in 1 second.
We assign a different severity level to these accelerations:
Severity level: Definition
Low: Acceleration from 12 km/h to 14.9 km/h in 1 second
Medium: Acceleration from 15 km/h to 17.9 km/h in 1 second
High: Acceleration of 18 km/h or more in 1 second
Continuous acceleration (e.g. going from 40 km/h to 100 km/h) will register as a single acceleration event.
2. Hard braking is defined as any decrease of speed of 12 km/h or more in 1 second.
We assign a different severity level to these decelerations:
Severity level: Definition
Low: Deceleration from 12 km/h to 14.9 km/h in 1 second
Medium: Deceleration from 15 km/h to 17.9 km/h in 1 second
High: Deceleration of 18 km/h or more in 1 second
Continuous Deceleration (e.g. going from 100 km/h to 40 km/h) will register as a single deceleration event.
3. Driving at night (between midnight and 4 a.m.) increases the risk of being involved in an accident. Many elements, such as reduced visibility and fatigue, make this time of day the riskiest.*my*Driving Discount™ therefore evaluates the time of day you’re driving to determine your personalized high-risk period factor. The less you drive at night the more you could save.
