Telematics Safe Driving Discount
Telematics programs use an app or device to help measure driving behaviour. Safe driving may lead to a discount at renewal, and some programs also offer an introductory discount just for enrolling.
Program information on this page was reviewed July 7, 2026. Telematics programs can change year over year, and eligibility, discounts, surcharges, rewards, data use, and rules vary by insurer.
How telematics discounts work
Telematics programs generally use a smartphone app or device to measure driving habits. Depending on the insurer, the app may consider things like speed, braking, acceleration, cornering, distracted driving, trip distance, time of day, or other driving patterns.
Many programs start with an introductory discount, often around 10%, and then replace or adjust that discount based on the driving data collected. Some programs may earn safe drivers up to 25% off at renewal, while some programs advertise potential savings up to 30%, depending on the insurer and program rules.
Program information changes, so review before enrolling
The examples below are based on public program information reviewed on July 7, 2026. Insurers can change discount percentages, eligibility, rating impact, privacy rules, app requirements, rewards, and program names over time.
This is one of the reasons working with a broker can help. A broker can compare the programs available through your quote, explain which insurers offer telematics, and help you decide whether the program fits your driving style.
Examples of telematics programs available through insurers
Reliable works with several Ontario auto insurance markets. The programs below are examples only. Your quote, vehicle, driver assignment, province, eligibility, and insurer rules determine what is actually available.
Intact myDrive
Intact myDrive is a usage-based insurance program available through the Intact Insurance App. Public program information states that it uses smartphone sensors to assess driving behaviour.
Public information reviewed July 7, 2026 showed a 10% enrolment discount and possible savings up to 30%, depending on driving behaviour and program rules.
Reviewed July 7, 2026
Aviva Journey
Aviva Journey is an app-based program that can provide real-time driving visibility and a personalized premium based on driving habits.
Public information reviewed July 7, 2026 showed a 10% sign-up discount, potential savings up to 25% at renewal, and rewards points that may be redeemed for eGift cards.
Reviewed July 7, 2026
Wawanesa Drive Change
Wawanesa describes Drive Change as a usage-based telematics program that analyzes driving data, promotes positive behaviours, and rewards responsible drivers.
Public information reviewed July 7, 2026 showed that safe driving habits may earn users up to a 25% discount, and that the program was initially introduced in Ontario in 2023.
Reviewed July 7, 2026
Pembridge My_BRIDGE
My_BRIDGE is described as a free telematics-based app that rewards demonstrated safe driving behaviour. It may monitor trip time, duration, harsh braking, and excessive speed.
Public app information reviewed July 7, 2026 showed a personalized discount up to 30% after a six-month monitoring period, subject to terms and conditions.
Reviewed July 7, 2026What if the app records a trip incorrectly?
App-based telematics programs usually allow drivers to review trip history. In many cases, if you were a passenger in someone else’s vehicle, you may be able to delete, reclassify, or mark that trip as a passenger trip, depending on the insurer’s app rules.
This can also matter if a passenger handled your phone while you were driving. For example, if your child or another passenger was using your phone and the app recorded phone movement as driver distraction, the app may allow you to correct or note that trip.
Which telematics program fits you best?
The best program is not always the one with the largest advertised maximum discount. You should also consider how long the app monitors driving, whether the discount can decrease, whether poor driving can increase the renewal premium, whether rewards are offered, whether all principal drivers need to participate, and whether you are comfortable with the data collected.
You want instant savings
Some programs start with an introductory discount, often around 10%, just for enrolling. This may appeal to drivers who want savings right away.
You want renewal savings
If you drive smoothly, avoid speeding, avoid harsh braking, and use your phone responsibly, you may benefit from a program that rewards driving behaviour at renewal.
You like rewards
Some programs may offer points or rewards that can be redeemed toward things like gift cards, in addition to potential insurance savings.
You value privacy
Telematics programs collect driving data. Before enrolling, review what data is collected, how it is used, and how to withdraw from the program.
What driving habits may affect your score?
Each insurer has its own scoring model, but these are common driving behaviours that may be reviewed.
| Driving Behaviour | Why It May Matter |
|---|---|
| Speed | Driving within speed limits consistently may help the score, depending on the program. |
| Braking | Hard or sudden braking can signal higher risk, although real-world traffic situations can still happen. |
| Acceleration | Smooth acceleration may be viewed more favourably than aggressive starts. |
| Cornering | Sharp or fast cornering may affect certain program scores. |
| Phone use | Some programs may consider distracted driving or phone movement during trips. |
| Distance and trip timing | Some programs consider how much you drive, where you drive, or when trips occur. |
Questions to review before enrolling
- Which insurers on my quote offer a telematics program?
- Is there an introductory discount?
- What is the maximum possible renewal discount?
- Can poor driving reduce the discount or increase the renewal premium?
- How long is the monitoring period?
- Does every principal driver need to participate?
- What happens if someone else drives my car?
- Can I delete, correct, or mark a trip as passenger if I was not driving?
- Can I correct a trip if a passenger handled my phone while I was driving?
- How long do I have to correct a trip after it is recorded?
- What happens if trips are corrected dishonestly?
- Can I mark trips as a passenger?
- What driving behaviours are scored?
- What data is collected and how is it used?
- Can I withdraw from the program, and what happens to my discount if I do?
- Are there rewards, points, or gift cards in addition to insurance savings?
Important telematics discount disclaimer
This page is provided for general educational purposes only. It is not underwriting approval, privacy advice, legal advice, claims advice, or a promise that any insurer will offer a specific introductory discount, renewal discount, reward, surcharge, or telematics score.
Telematics discounts, app eligibility, monitoring periods, scoring models, rewards, privacy terms, data collection, data sharing, withdrawal rules, surcharges, renewal adjustments, trip correction rules, passenger trip classification, and quote eligibility are controlled by the insurer’s current program terms, application, policy wording, underwriting rules, and renewal process.
Program details can change year over year. Always verify the current program with your insurer, broker, or licensed insurance representative before enrolling.
Continue learning about insurance savings
Good Driver Discount
Learn how insurance history, age, telematics, and prior driving records can affect good driver pricing.
Clean Driving Record Discount
Learn why your renewal can still increase even with no tickets, accidents, or claims.
Work From Home Discount
Learn how reduced commuting or lower vehicle use may affect auto insurance pricing.
Telematics safe driving discount FAQs
What is a telematics discount?
A telematics discount is a usage-based auto insurance discount that may be based on driving behaviour measured by an app or device.
Do telematics programs usually start with a discount?
Many programs offer an introductory discount, often around 10%, but this varies by insurer and may later be replaced or adjusted based on driving behaviour.
How much can I save with telematics?
It depends on the insurer and driving score. Some programs advertise potential savings up to 25%, while others may advertise up to 30%. The actual result is not guaranteed.
Can telematics increase my premium?
Some programs may only reduce discounts, while others may lead to a lower or higher renewal premium depending on driving behaviour. Ask your broker how the exact program works before enrolling.
Can I correct a trip if I was not driving?
Many app-based programs allow trip review or passenger-trip classification, but the process and time limit vary by insurer. Only correct trips honestly.
What if a passenger touches my phone while I am driving?
Some apps may allow you to correct or note a trip if a passenger handled your phone while you were driving. The exact rule depends on the program.
Can telematics rewards include gift cards?
Some programs may include rewards points that can be redeemed toward eGift cards or other rewards, depending on the current program rules.
Should I ask a broker before signing up?
Yes. Different insurers have different telematics programs, and a broker can help you compare the discount, scoring, privacy, rewards, and renewal impact before you enroll.
