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Your driving data is collected throughout your policy term until renewal, which allows us to adjust your premium. This could increase or decrease the cost of your car insurance and change your price when your policy is renewed.

Registered drivers must drive at least 500 kilometres for their driving habits to be accurately assessed. The more you drive the more accurate picture of your driving habits we'll get and the more personalized your price will be.

If you don't drive the minimum kilometres, you will not be cancelled from Smarter ride. However, upon renewal the activation discount would fall off and you may not be provided with an Adjustment, or the impact of the Adjustment will be less significant. For more details, refer to the question “How do you personalize my price?”.

The App will display your driving badges for speed, smoothness and focus after each trip. The safe speed badge is earned by driving the speed limit at all times. The smoothness badge is earned for accelerating and braking smoothly. The focus badge is earned for distraction-free driving.

Earning all three badges for many of your trips could contribute to a price decrease when your insurance is renewed. When no driving badges are earned, the trips are considered risky driving and could contribute to increasing the price. A good or bad trip shouldn't significantly impact your price as we consider all your trips. Keep in mind that several other factors can affect your price adjustment other than the driving badges you earn. Check the App regularly to help improve your driving.

According to the example below, the driver used their phone on the road, so they only earned the safe speed and smoothness badges. If they don’t use their phone on their next trip, they could earn the focus badge.

For Alberta, Ontario and Quebec:
Yes, the premium of your car insurance could increase or decrease when your policy is renewed. This depends on your driving habits and those of the Enrolled Drivers listed on your insurance policy. You might see an increase or decrease of 25%, but other pricing factors are considered other than the Smarter ride premium adjustment.

For Nova Scotia:
Yes, the premium of your car insurance could increase or decrease when your policy is renewed based on your driving habits. This depends on your driving habits and those of the Enrolled Drivers listed on your insurance policy.

Three factors help determine the price of your insurance at renewal:

• standard factors (e.g. type of car, location)
• your driving context (e.g. how much you drive, where), and
• your driving style (e.g. speeding, using phone while driving)

Smarter ride ensures fairer pricing by linking your premium to your driving habits, meaning that driving safety may give you a discount on your premium at renewal and that taking risks on the road may increase it instead.

Subject to regulatory approval, maximum premium adjustments can vary over time without notice and range between a 40% discount for remarkably safe driving and surcharges of up to 80% for rare cases of extremely risky driving. Premium adjustments will be applied at your next renewal, where you will have the opportunity to review your policy.

Your automobile insurance premium will be adjusted upon each renewal of your policy, if eligible, based on a variety of driving events, such as:

• number of trips were you the driver;
• duration of trip;
• hard braking;
• rapid acceleration;
• cornering and turns;
• kilometres driven, and,
• distracted driving (e.g., using your smartphone while driving).

The above events represent part of your “Collected Data”.

These driving habits will be assessed and contextualized based on various factors, such as:

• severity of the event (how far above the speed limit you drive)
• speed at which event was registered
• time of day and day of the week you drive
• driving and road conditions
• total distance driven (if we do not collect sufficient data to assess your driving habits, you may not be entitled to an Adjustment, or the Adjustment you receive might have a lesser impact on your price at renewal)
• previous Collected Data
• road types (highway, urban or rural)
• left or right turns
• traditional rating factors (e.g., age and region).

This information is reviewed to offer you a personalized premium and allows you to influence your car insurance premiums.

As long as the App has enough data on your driving habits (you drove 500 kilometres or more), we can apply your premium Adjustment when your car insurance is renewed. If you didn't drive 500 kilometres or more, you might not receive a premium Adjustment, or the Adjustment may have less impact on your premium than expected. We will take your trips into account as soon as you start driving again. The more you drive, the more significant your premium Adjustments will be. For example, someone who completed 500 kilometres of good driving and then turns off their App will not receive the same premium adjustment as someone who drives 5,000 or 10,000 kilometres with their App capturing all their trips.

You need to authorize access to certain data because Crash Assist needs to collect and analyze this information to detect changes in driving behaviour and determine that an accident has occurred. It also needs to be able to notify you to offer help.

Premium adjustments resulting from your participation in the Smarter ride program are subject to the Alberta Government’s premium cap for good drivers. If the premium cap is removed in the future, the filed premium increase of up to 25% could apply depending on your driving behaviour.

No. The accident won’t appear on your insurance file record if you don’t submit a claim. So, there won’t be any increase in your auto insurance premium as a result.