National Bank Insurance

Mobile App & Drive Savvy FAQs

Program

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.

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 low kilometres discount based on how much you drive, and earn a driving discount determined by your driving behaviour.

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, your Drive Savvy discount will apply to 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.

Not a problem. If you're driving for business, your trips will still count towards your Safety Score and Drive Savvy discount.

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, 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.

Just visit the All Trips section of the app and set the toggle to "A passenger was using my phone" within 30 days of completing the trip. The distracted driving event will then be removed from your Trip Summary. You can also contact us if you need to correct any other tagged information.

Please contact us in advance if you're planning not to drive for more than 30 days. If you don't, this could result in the cancellation of your Drive Savvy enrolment and you will lose any discount related to the program.

It's important to activate your enrolment in the Drive Savvy program within 15 days of the program's effective date. If you don't, this could result in the cancellation of your enrolment and you will lose any discounts related to the program.

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 give us a call! We'll make the necessary changes to your account and text you a new Drive Savvy download link. All your information will be stored, and you can continue driving.

Don't worry! If you delete the National Bank Insurance Auto | Home app by mistake, you just need to download it again and follow the prompts to activate the Drive Savvy program. All your information will be stored, and you can continue driving. Remember - if we can't record your trips within a 30-day period this could result in the cancellation of your Drive Savvy program enrolment and you will lose any discount related to the program.

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

  1. duration of trip;
  2. hard braking;
  3. rapid acceleration;
  4. cornering and fast turns;
  5. kilometres driven; and
  6. distracted driving (using your phone to talk or text, even if it's hands-free).

These driving events are then analyzed based on factors such as:

  1. severity of the event;
  2. speed at which the event was registered;
  3. time of day and day of the week;
  4. road types (e.g., highway, urban or rural); and
  5. left or right turns.

We understand that even experienced drivers need to brake hard or accelerate quickly sometimes. It's your safety that matters most, which is why your Drive Savvy discount is calculated over the average of several trips. Don't worry! One individual event will not have a significant impact your overall score.

Your personalized driving discount may change or even be removed during the course of your policy term. Mid-term (at approximately 6 months) your premium may increase or decrease due to the completion of a collection period and the updating of your Drive Savvy discount. This fluctuation could result in a balance owing to us. When your policy is renewed, your Drive Savvy discount will be adjusted and your premium could again increase or decrease based on several factors other than a change in your Drive Savvy discount.

Your Safety Score provides you with an at-a-glance summary of how safe you're driving. It takes into account your driving data from the last 30 days, and will display a score for the following five risks:

  1. Risky hours: driving at night between 2 a.m. and 5 a.m. when the risk for car accidents is higher.
  2. Rapid acceleration: quick changes in speed starting at or exceeding 12.0 km/hr per second.
  3. Hard braking: sudden changes in braking speed starting at or exceeding -12.0 km/hr per second.
  4. Speeding: driving at an excessive speed.
  5. Distracted driving: using your phone to talk or text, even if it's hands-free.

We understand that even experienced drivers need to brake hard or accelerate quickly sometimes. It's your safety that matters most, which is why your Safety Score is calculated over the average of several trips. Don't worry! One individual event will not have a significant impact on your overall score.

Your Safety Score lets you take a closer look at how you're driving through colour coding to indicate your level of risk:

  • Dark green: very low risk
  • Light green: low risk
  • Yellow: moderate risk
  • Orange : high risk
  • Red: severe risk

Your Driving Stats provide you with a detailed description of each risk displayed in the app and propose tips for improvement. This allows you to monitor your progress and see how you compare to other drivers participating in the Drive Savvy program in your province.

The Drive Savvy program helps you drive safer by translating your driving data into easy to understand driving behaviours and events, such as:

  1. hard braking;
  2. rapid acceleration;
  3. risky hours;
  4. speed; and
  5. distracted driving (using your phone to talk or text, even if it's hands-free).

This is simply an overview as several factors are used to calculate your Drive Savvy discount.

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.

Your Drive Savvy discount is just one of many savings that could be applied to your car insurance policy (e.g. car + home discount, discount for two or more vehicles, etc.). Discounts are applied to your premium in different sequences and apply to specific coverage, which is why you might notice that your dollar discount is different from your percentage discount. Don't worry! You will always receive the correct amount of savings.

When you first join the Drive Savvy program, you will receive a one-time 10% enrolment discount. This enrolment discount will then be replaced, if applicable, by a personalized driving discount based on your driving behaviour (180 days after your first tagged trip).
For a collection period ending during your policy term, you can expect that:

  • If your discount increases, your Drive Savvy discount and premium will be updated.
  • If your discount decreases, your Drive Savvy discount and premium will be updated. However, if your discount only decreases by less than 7%, we will not apply your updated Drive Savvy discount and will continue to apply the previous discount and premium.

Your Drive Savvy discount will again be adjusted when your policy is up for renewal. Once your policy is renewed, the cost of your car insurance may increase or decrease based on several factors other than a change in your Drive Savvy discount. For upcoming policy terms, your discount will be updated approximately 6 months into your policy term, and again at renewal.

Your projected Drive Savvy discount will be displayed on the app's dashboard. Every month, the policyholder will receive an email outlining any upcoming discount for all principal drivers on the same policy.

The discount that is applied on your policy documents is the one calculated approximately every 6 months, at mid-term or at renewal, and could be different from the projected discount that appears in the app today, which is updated after every trip.

Your projected Drive Savvy discount will appear in the app once you have driven 1,000 km or after 60 days when you have driven a minimum of 100 km. Once this threshold is reached, your discount will be updated within a few minutes after each trip.

Whenever the cost of your car insurance changes, you will receive updated policy documents including a billing statement indicating any adjustments in your payments:

  • If the premium has already been paid in full: a refund will be issued if the premium decreased, or an additional amount will be due if the premium has increased;
  • If the premium is paid monthly, or by another payment method: the payment schedule will be adjusted accordingly to reflect increased or decreased payments, as the case may be.

When your policy is renewed, the cost of your car insurance may increase or decrease based on factors other than a change in your Drive Savvy discount.

Your Drive Savvy discount can't be applied to a car in storage. However, if you drive more than one car, your discount will be applied to the car you're currently driving.

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

The 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.

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

You can also add a widget to your phone's home screen for secure access. Follow the instructions provided in the app or visit the help page for your iPhone or Android device.

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.

Only policyholders* can access your digital proof of insurance through the app. It's not possible to share with other drivers through the app yet, but we're working on it. In the meantime, make sure you always keep the paper copy in your vehicle.

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

We are 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.

Add the widget to your phone's home screen to access your digital proof of insurance even when you're offline.

When you renew or change your policy, you will need to update to the latest version of the app by connecting to the internet before accessing your digital proof of insurance or the widget.

You will need to update the app to the latest version. Changes to your policy will appear within the next business day.

You will need to update the app to the latest version. Changes to your policy will appear within the next business day.

The digital proof if 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 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.

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.

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

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.

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.

The 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.