National Bank Insurance

Mobile App & Drive Savvy FAQs

Program

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM AFTER JULY 11TH, 2020

The Drive Savvy program lets you be in control of how much you pay for your car insurance. Available through our app, the program will assess how safely you drive through your phone’s GPS and motion sensors (accelerometer and gyroscope) to personalize your price. Your safe driving habits could help you save on your insurance, whereas drivers who take risks on the road could see their price increase. It’s simple: the safer you drive, the more you could save.

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM PRIOR TO JULY 11TH, 2020

Available through the National Bank Insurance Auto | Home app, Drive Savvy is National Bank Insurance Auto | Home's usage-based insurance program that rewards safe driving behaviour. Through your smartphone's GPS, accelerometer, and gyroscope, the Drive Savvy program will assess how safely you drive in order to calculate your potential discount. Approximately every 6 months, you could save up to 25% on your car insurance based on the driving choices you make. It's simple: the safer you drive, the more you could save!

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Joining the Drive Savvy program is quick and easy! Simply contact us, or for more information visit www.nbc-insurance.com/drivesavvy.html A download link will be texted to you and each principal driver on your policy who has joined the program.* Once you activate your account, accept the Terms of Use, and give the app access to certain features on your smartphone - you're ready to start driving!

*If there's more than one principal driver on the same policy enrolled in the Drive Savvy program, the download link will be texted to the phone number provided for each principal driver.

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM AFTER JULY 11TH, 2020

When you join the Drive Savvy program, you get a 10% enrolment discount just for signing up. This one-time discount is applicable over your first collection period of approximately six months. At the end of this collection period, the price of your car insurance could be adjusted based on how safely you drive.

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM PRIOR TO JULY 11TH, 2020

The enrolment discount is applied to the cost of your car insurance when you first join the Drive Savvy program. This one-time discount is applicable over your first collection period of approximately 6 months. At the end of this collection period, you could save with a personalized driving discount based on your driving behaviour.

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM AFTER JULY 11TH, 2020

Yes, you can withdraw from the program at any time. However, you will lose your enrolment discount and the opportunity to drive down the price of your car insurance by driving safely.

If you withdraw from the program before you complete your first collection period, but after you drove the required 1,000 km, we may still use your driving data to personalize your price when your insurance is renewed.

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM PRIOR TO JULY 11TH, 2020

Yes, you can withdraw from the program at any time. However, you will lose your 10% enrolment discount and the opportunity to drive down the price of your car insurance by driving safely.

If you withdraw from the program after you complete your first collection period of approximately six months , the price of your insurance could be adjusted as follows:

  • any favorable price adjustment may be partially or entirely removed
  • any price increase will continue to apply and may be re-evaluated when your insurance is renewed

If you withdraw from the program before you complete your first collection period, but after you drove the required 1,000 km, we may still use , your driving data to personalize your price when your insurance is renewed.

Yes, we will adjust the price of your insurance for any car you drive as long as you’re the principal driver on the policy, and your car meets the eligibility requirements of the program.

Yes! Any driver listed as a principal driver on your policy can join the Drive Savvy program.

If you’re driving for business, your trips will still count towards your Safety Score and price adjustment.

The Drive Savvy program is designed for business and personal use only. If you're driving for commercial reasons (Uber, Lyft, etc.), you will need to visit the All Trips section of the app and set the toggle to "I was a passenger on this trip" within 30 days of completing the trip. You can also contact us if you need to correct any other tagged information.

Set-up

You will need an iPhone running iOS 10 or higher, or an Android device running version 5.1 or higher. Depending on the type of smartphone you have, the Drive Savvy program's performance can vary as certain sensors behave differently in different devices.

Depending on your smartphone settings, the National Bank Insurance Auto | Home app will update automatically with the Drive Savvy program or you will be prompted to confirm the update. If you don't have the National Bank Insurance Auto | Home app, you can download it for free from the App Store© or Google Play™.

The Drive Savvy program won't work unless you turn on location services in your smartphone settings. Your location allows us to detect driving behaviour, such as changes in speed and when you start a trip. It also helps us to identify whether you're the driver or a passenger.

We need access to your iPhone's motion and fitness data for its accelerometer and gyroscope sensors. As the name implies, the accelerometer measures acceleration and helps us determine how fast your phone is moving. Whereas the gyroscope detects which direction it's pointing in.

We need access to "make and manage phone calls" on your Android device for its accelerometer and gyroscope sensors. As the name implies, the accelerometer measures acceleration and helps us determine how fast your phone is moving. Whereas the gyroscope detects which direction it's pointing in.

When you first access the Drive Savvy program, you will be asked if you're mostly the driver or a passenger when travelling by car. We also use state-of-the-art technology to analyze your driving behaviour and smartphone's movements in order to identify if you're the driver, passenger, or travelling by some other mode of transit (e.g. public transportation).

Like any app that uses your location, the Drive Savvy program will consume an average of 3% to 6% of your smartphone's battery life per hour. This is a small amount when you're not driving, and slightly more while you're taking a trip. Remember, if your battery is lower than 20% or your smartphone is in power-saving mode, your trips will not be recorded!

Yes, you must have a data plan with internet access in order to collect and transfer your driving data to us.

Generally, between 30 and 60 MB per month will be used. This is a very small fraction of the average data plan (1000 – 2000 MB or more per month).

Troubleshooting

If you already have the app and cannot access the Drive Savvy program in the app, please try logging out and logging back in. If you still cannot access the program, try deleting the app and downloading it again or contact us at 1 833 256-6937 and a member of our customer service team will guide you through activating the Drive Savvy section of the app.

In order to determine your trip's starting point, you need to start driving. As a result, there's a delay of 300 metres before we can detect movement and pinpoint your location.

It may occasionally happen that a trip is not recorded due to:

  • no internet connection;
  • battery is lower than 20%;
  • smartphone is in power-saving mode;
  • permission is disabled;
  • app is not running in the background;
  • app is experiencing technical difficulties.

Don’t worry! In the event that a trip has been misclassified, go to “Trip summary” and select edit to change your status in the “About this trip” section within 30 days of completing the trip. You can also contact us if you need to correct any other tagged information.

Just go to “Trip summary” and select edit to change your status in the “About this trip” section within 30 days of completing the trip. The event will then be removed from your Trip Summary. You can also contact us if you need to correct any other tagged information.

Contact us before you plan to stop driving for more than 30 days. If not, this could result in the termination of your participation in the Drive Savvy program, meaning you could lose your 10% enrolment discount and the opportunity to drive down the price of your car insurance by driving safely.

Make sure to follow the steps within the app to turn on the Drive Savvy program within 15 days of your of your enrolment in the program. If not, you could lose your 10% enrolment discount and the opportunity to drive down the price of your car insurance by driving safely.

You will need to download the National Bank Insurance Auto | Home app again. There's no need to re-enrol in the Drive Savvy program as all your information will be stored.

Just download the app again and log in, your profile and trips will still be there.

Just download the app again and log in, your profile and trips will still be there. If not, you could lose your 10% enrolment discount and the opportunity to drive down the price of your car insurance by driving safely.

We're here to help! Contact us at 1 833 256-6937 if there's an error in your driving data, or if you're experiencing technical difficulties.

Safety and Stats

Your 10% enrolment discount expires approximately six months from the day you start driving with Drive Savvy. The price of your car insurance could then increase or decrease based on your driving habits. However, when your policy is renewed there are also other pricing factors than the Drive Savvy adjustment that could impact your price.

Your safety score reflects how you drove over the last six months and is used to personalize the price of your car insurance.

It's based on driving habits that, according to experts, reduce the risk of an accident:

Safe speed
Driving within speed limits at all times.

Smoothness
Braking and accelerating smoothly.

Focus
Keeping your focus on the road and avoiding phone use.

Italso takes into account your driving environment:

When you drive
Time of day and day of the week.

Where you drive
Road types (e.g., highway, urban or rural routes).

How much you drive
Number of hours and kilometres driven.

Remember, your score is based on the average of several trips, so one event will not have a significant impact.

Your Safety score in the app reflects how safe you drive and is used to personalize the price of your car insurance. It's mainly based on driving habits that, according to experts, reduce the risk of an accident:

  • Safe speed:
    Driving within speed limits at all times.
  • Smoothness:
    Braking and accelerating smoothly.
  • Focus:
    Keeping your focus on the road and avoiding phone use.

You need to drive a minimum of 1,000 km within each collection period of approximately six months. If not, the price of your car insurance could be impacted as follows until the completion of a collection period meeting the 1,000 km minimum:

  • any favorable price adjustment may be partially or entirely removed
  • any price increase will continue to apply and may be re-evaluated when your insurance is renewed

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM AFTER JULY 11TH, 2020

Your Safety score reflects how safe you drive and is used to personalize the price of your car insurance. Get a score over 60 for driving safely, and your price could decrease. Score under 60 by taking risks on the road, and your price could increase. However, there are also other pricing factors than the Drive Savvy adjustment that could impact your price.

CLIENTS WHO HAVE ENROLLED IN THE DRIVE SAVVY PROGRAM PRIOR TO JULY 11TH, 2020

Your Safety score is used to update your discount approximately every six months. Get a score over 60 for driving safely, and you could save up to 25% when your car insurance is renewed. Score under 60 by taking risks on the road, and you could lose or lower your discount.

Your 10% enrolment discount expires approximately six months from the day you start driving with Drive Savvy. The price of your car insurance could then increase or decrease based on your driving habits. However, when your policy is renewed there are also other pricing factors than the Drive Savvy adjustment that could impact your price.

Whenever the price of your car insurance changes, you will receive updated policy documents and a billing statement detailing any adjustments:

  • If the premium has already been paid in full: A refund will be issued if your price decreased, or an additional amount will be due if your price increased
  • If you are on a monthly payment plan or another payment method: Your payments will be adjusted to reflect the price increase or decrease

When your policy is renewed, the price of your car insurance could also increase or decrease based on pricing factors other than the Drive Savvy adjustment.

Privacy

Information about your driving behaviour and trips is only shared with TrueMotion, Inc., a mobile telematics company. We work with this service provider for the technology, systems, and services necessary to run the Drive Savvy program.

No, National Bank Insurance Auto | Home only receives information to detect if you are using your phone while driving. Your phone calls will never be tracked or recorded.

No. This information is only visible to you and is not shared with any other drivers on your policy.

Not without proper legal authorization or your consent. We're committed to protecting your privacy and will never disclose your personal information to law enforcement agencies, unless otherwise permitted or required by law.

We use strict security safeguards when storing or destroying your personal information in order to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal or similar risks. In the event that we transfer your personal information to a third party (e.g. our service provider, TrueMotion, Inc.), we contractually require such third party to protect and handle your personal information in a manner consistent with our own privacy safeguarding measures and according to all applicable laws.

National Bank Insurance Auto | Home and Truemotion, Inc. will only use and disclose your information in accordance with the Drive Savvy program's Terms of Use, unless otherwise required by law.

Digital proof of insurance

Digital proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. Make sure you always carry the paper copy when travelling outside the province.

The digital version of your proof of insurance is available in the app. However, this is not a valid proof of insurance in your province. Make sure you always carry the paper copy.

You can access your digital proof of insurance in the Car or Documents section of the app.

If you have an iPhone, you can also use the Wallet app. Visit the help page for your iPhone or Android device, and follow the instructions.

If you have an iPhone, use the Wallet app and select the 3-dot menu to access the share feature. You can also use AirDrop, iMessage, or email to share your digital proof of insurance.

It's not possible to share your digital proof of insurance with an Android device. Only policyholders* have access through the app, but you can email a PDF version.

*The policyholder is the person whose name the insurance policy is registered.

We're committed to protecting your privacy, which is why our digital proof of insurance is available on your phone's lock screen. This feature allows you to lock your screen and restrict access to your phone's content when sharing your digital proof of insurance. For added protection, you can also turn off notifications, but remember to be careful not to unlock your phone through fingerprint or facial recognition accidentally. By using this digital proof of insurance, you accept all risk and responsibility associated with its use.

When you renew or make changes to your policy, the changes will appear the next business day in the app and widget.

If you have the Wallet app, visit the Car or Documents section of the app and select "Add to Apple Wallet" to get the latest version.

When you add the widget to your iPhone or Android device or use the Wallet app, you can access your digital proof of insurance even when you're offline

The digital version of your proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. Make sure you always carry the paper copy when travelling outside the province.

If you need to print your proof of insurance, download the PDF version available in the app or your Client Centre account. Print it in colour on white paper to make sure all the information is clear and legible. We recommend that you always keep the paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.

The digital version of your proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Newfoundland and Labrador. If necessary, a police officer can confirm your coverage by calling.

We recommend that you always keep the paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.

On your digital proof of insurance you will find the name of your insurance company with your policy number, coverage dates, name, address, as well as the year, make, model and the serial number of your vehicle.

If you choose to use digital proof of insurance, you're responsible for any risks that may arise, such as damage to your phone by a third party, including a police officer.

As long as the vehicle is covered by a personal auto insurance policy, you can access your digital proof of insurance through the app or your Client Centre account.

Digital proof of insurance is equipped with several safety features to prevent fraud and protect your privacy. The app will never allow access to your location or personal information without your explicit consent.

It's the driver's responsibility to have a valid proof of insurance at all times. Be prepared for the unexpected by keeping a paper copy in your vehicle.