It is well-known that being a safe driver translates to saving more on your car insurance premiums. Did you know that there is a way of tracking the price of your premiums as you go about your day? This is where Aviva Journey comes into play. Aviva Journey is the latest program from one of our isure-approved insurance partners, Aviva. Usage-Based Insurance, a.k.a. Telematics, is a way of tracking your driving habits in order to save yourself more money on premiums. Read below to learn everything there is to know about Aviva Journey and how to use it to save.
What is Aviva Journey?
Aviva Journey is a smartphone application that gives you real-time visibility and updates on how your driving is affecting your insurance rate. This puts you in the driver’s seat when it comes to the price of your premiums. Additionally, you’ll get personalized driving tips based on your own driving habits. The safer you drive, the more you can save on car insurance. This application is available and is free to join for all existing Aviva policy holders.
When you’re not behind the wheel, you can explore trip details, see your own personalized driving score and potential savings. All of this is found conveniently under the Find my car feature located within the app. On top of this, you begin saving as soon as you download the application by taking advantage of a one-time 10% discount towards your first policy term in the program!
How does Aviva Journey work?
Once you download and sign up for the Aviva Journey app on your smartphone, you can begin your savings adventure. Your smartphone will track and collect your driving data for each trip you take. The collected data is used to calculate your driving score. From there, the application will help determine your auto insurance premiums. By driving safely, you can save up to 20% on your premiums. On the other hand, riskier driving can give you an increase by up to 5%. The positive impact that this app has had when it comes to safer roads and cheaper discounts is clear, with nearly 98% of Aviva Journey users on track to receiving discounts.
How is my discount calculated?
The application takes many different factors into consideration when it comes to figuring out your discount. First, they take into consideration your own “driving score.” This score is calculated when the app uses sensors to determine how you are driving. You receive a higher (or lower) score based on the following:
- Safe speeds: Driving within speed limits consistently.
- Smoothness and control: Accelerating, braking and cornering your car smoothly and with control.
- Attentiveness: Staying focused on the road and avoiding use of your cellphone when behind the wheel.
It is important to keep in mind that there are many different contextual factors that will help you determine your score. This includes things, such as:
- Road types
- Time of day and traffic
- Distance travelled
- Day of the week
When using the app, your Aviva Journey discount gets applied to all coverages of your policy, except for endorsements and family protection coverage. It’s important to keep in mind that your discount only applies to the principal driver’s portion of your overall vehicle premium.
At Aviva, they know that sometimes drivers have their bad days and react poorly to different situations. This is why each day has a small impact on your overall score. This way, you don’t have to worry if you slip up or make a mistake.
Is my data protected when I use Aviva Journey?
When using the Aviva Journey app, your information and data is in safe hands. Information regarding driving behaviour and trips is shared with Aviva Canada Inc. and it’s affiliates, Trak Global Solutions Holdings, a telematics company. Aviva works closely with this provider to make sure the technology, systems and services run up to par with the Aviva Journey program. Your information will always be handled in accordance with applicable laws and within Aviva’s privacy policy. The only information received from each user is such that will help detect if the driver is using the phone while driving.
Can I opt out of the app whenever I want?
If you are not enjoying your experience with the Aviva Journey application, you can opt out at any time by contacting your isure broker. However, it is important to keep in mind that you will lose your discount related to the program moving forward. As soon as you opt out of the app, you should delete the application from your phone. It is important to keep in mind that simply deleting the application from your phone will not withdraw you from the program.
As always, if you have any telematics-related questions or want to inquire further about Aviva Journey, contact one of our isure brokers today!
