Mobile App & Drive Savvy FAQs

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!

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 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.

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

Yes, you can end your participation in the Drive Savvy program at any time by contacting us. However, you will lose any discount related to the program.

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.

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).

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.

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.

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

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 PRIOR TO JULY 11TH, 2020

In order for us to capture an accurate picture of your driving behaviour, you must drive a minimum of 1,000 km during a collection period. If you don't, any Drive Savvy discount will cease to apply until a new collection period is completed.

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.

Information about your driving behaviour and trips is only shared with Cambridge Mobile Telematics, 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, Cambridge Mobile Telematics, 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 Cambridge Mobile Telematics, 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 is valid in most Canadian provinces: Quebec, Ontario, Alberta, Nova Scotia, New Brunswick, Northwest Territories, Yukon, Prince Edward Island, Newfoundland and Labrador. And in most of the United States.

Please print the paper version of your proof of auto insurance when travelling outside of your province or country.

Tips on how to print your proof of insurance.

Access your digital proof of insurance from the homepage of the app with the shortcut at the top of the screen.

Use the Wallet app on your iPhone for secure access or add a widget to the home screen of your Android device.

Only policyholders* can access the digital proof of insurance through the app.

If you have an iPhone, you can use the Wallet app. Select the three-dot menu to access the Share feature. You can also use AirDrop, iMessage, or email to share a PDF of your proof of insurance.

If you have an Android device, select the PDF button at the bottom of your digital proof of insurance and share it by email.

*A policyholder is the person who has purchased and owns the insurance policy.

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 accidentally unlock your phone through fingerprint or facial recognition.

By using this digital proof of insurance, you accept all risk and responsibility associated with its use.

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

When you renew or change your insurance policy, it takes a maximum of one business day before you see the changes in the app and Android widget.

If you're using the Wallet app, you need to update it with your new proof of insurance. Go to the app homepage and tap the quick link at the top of the screen to add your new pink slip.

Digital proof of insurance is valid in most Canadian provinces: Quebec, Ontario, Alberta, Nova Scotia, New Brunswick, Northwest Territories, Yukon, Prince Edward Island, Newfoundland and Labrador. And in most of the United States.

Please print the paper version of your proof of auto insurance when travelling outside of your province or country.

Tips on how to print your proof of insurance.

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 a 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, New Brunswick, Northwest Territories, Yukon, Prince Edward Island, Newfoundland and Labrador. If necessary, a police officer can confirm your coverage by calling 1-877-871-7500.

You can also email your digital proof of insurance to law enforcement if required.

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

Tips on how to print your proof of insurance.

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

Digital proof of insurance has 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.

Tips on how to print your proof of insurance.

The names of all the drivers who are policyholders are listed on the digital proof of insurance in the app.

If you add your proof of insurance to the Wallet app, only the name of the person logged in will appear.

For drivers who are not the policyholder, you need to ask the car owner to share or print a PDF copy of their proof of insurance.

Tips on how to print your proof of insurance.

Valid digital proof of insurance is only available in the app. You can also download and print a PDF version in your Client Centre and the app.

Tips on how to print your proof of insurance.

This feature is available to National Bank Insurance Auto | Home clients who have signed up for the Drive Savvy® program offered to auto insurance clients in the Quebec and Ontario provinces.

Crash Assist is available for iPhones (iOS 12 and above) and Androids (7.0 version and above).

No. Crash Assist is offered free of charge to National Bank Insurance Auto | Home clients who have signed up for the Drive Savvy® program offered to auto insurance clients in the Quebec and Ontario provinces. 

Yes, the feature is available to National Bank Insurance Auto | Home clients who have completed the activation process for the Drive Savvy® program, and who authorize sharing location on their smartphones.

The feature collects and analyzes data from your smartphone's GPS, accelerometer and gyroscope. Crash Assist detects motor vehicle collisions, sends you push notifications and provides you with emergency assistance options.

The Drive Savvy® data collected to assess your driving performance is also used by Crash Assist. The collected data includes information we get from your GPS, accelerometer and gyroscope and is used to determine whether an accident occurred.

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.

The feature was designed to detect moderate to severe collisions. Its algorithm is constantly updated and improved to maintain its accuracy and precision.

A minor collision or one that occurs within the first kilometre of a trip will not be detected by Crash Assist. So, if you have an accident at a low speed, Crash Assist may not detect it.

But don't worry – you’ll still have access to all Crash Assist options under the assistance tab, if that kind of accident happens to you.

Crash Assist is available for iPhones (iOS 12 and above) and Androids (7.0 version and above).

Tap on “Enable/Disable Crash Assist” under your National Bank Insurance Auto | Home app’s Crash Assist tab.

Yes, we're there for you, so you can always access all Crash Assist options from your National Bank Insurance Auto | Home Application.

Crash Assist detects moderate to severe accidents: it may not detect minor incidents or collisions at low speeds or within the first kilometre of a trip.

Four main reasons why an accident might go undetected:

• device in “Do Not Disturb”mode
• device in “energy-saving” mode or with a low battery
• weak GPS signal
• poor smartphone reception

Four main reasons why Crash Assist is not working:

• Crash Assist disabled
• offline
• no data plan
• access to notifications and location data not authorized

Either ignore the notification or tap “I didn't have an accident” at the bottom of the screen to let us know you're fine and that it was a mistake.

No. Don't worry. The technology used by Crash Assist is so advanced that the algorithm can distinguish between an actual accident and your phone being dropped.

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