Frequently Asked Questions (FAQs) for automerit

automerit gives you control over how much you pay for car insurance based on how safe you drive and how many trips you make. Available through the belairdirect app, automerit assesses your driving habits using your phone's GPS and motion sensors to offer you a personalized premium at renewal (the “Adjustment”). Good driving habits could help you save on your car insurance by up to 25%, whereas drivers who take risks on the road could see their premium increase by up to 25% upon each renewal.

Even if you're not the policyholder of the car insurance policy, any or all principal drivers on the policy can still enroll in automerit with the policyholder’s authorization. Adjustments to the premium of each car on your policy will be based on the driving habits of the Enrolled Driver(s). If you or another Enrolled Driver unenrolls or is removed from automerit, we'll still use the previously saved driving data to adjust your premium.

Joining automerit is quick and easy. If you're already a client, download the belairdirect app and accept the Terms of Use.

Visit https://www.belairdirect.com/en/app/automerit.html for more details.

Not all principal drivers on your policy need to join automerit, and we'll only adjust the premium of your insurance for the car(s) that have Enrolled Drivers. Good driving habits could help you save on your car insurance by up to 25%, whereas drivers who take risks on the road could see their premium increase by up to 25%. Contact us at 1 877 220.6065 1 877 220.6065 to add another driver on your car insurance to automerit.

If you or another Enrolled Driver cancels your participation in automerit, we'll still use the previously saved driving data to adjust your premium. You can join again as long as you still meet automerit's eligibility criteria. If belairdirect ended your participation in automerit for misuse of the app, you can only join again at belairdirect’s discretion. Contact us at 1 855 250.65171 855 250.6517 to discuss re-enrollment.

It's a one-time discount of 5% that's applied to the premium of your car insurance once you activate in automerit. This discount is only for new customers who activate automerit, and you will benefit from it until your car insurance policy is renewed. Then, this discount is replaced by your personalized premium based on your driving habits.

Yes, you can cancel your registration at any time by contacting us. However, your premium may decrease or increase depending on your previously collected driving data upon renewal and if the activation discount is present, it would be removed.

We will adjust the premium to insure your car based on your driving habits.

We will also adjust the premium to insure the cars of other Enrolled Drivers on your insurance policy based on their driving habits.

There will be no Adjustment for principal drivers on your car insurance policy who are not enrolled in automerit.

For Example:

• There are two cars on the same insurance policy, and both drivers are enrolled in automerit: The premium for each car will be adjusted according to the driving habits of that car’s Enrolled Driver.
• There are two cars on the same insurance policy, but only one driver is enrolled in automerit: The price will be adjusted for only one car according to the driving habits of that car’s Enrolled Driver.

You can only enrol in automerit on one policy. However, if you are listed as the principal driver on other vehicles insured under other belairdirect car insurance policies, your Adjustment will also be applied to those vehicles automatically. If you are not the policyholder on the automobile insurance policy, you must obtain the consent of the policyholder(s).

Yes. Anyone listed as a principal driver on your car insurance policy can register for automerit.

If you drive for work, your trips will still count towards Adjustments to your premium.

automerit is for your personal car or business-owned vehicle. If you're driving for a commercial business (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 a trip. You can also contact us if you need to correct any other information in the app.

You will need an iPhone running iOS 14 or higher or an Android device running version 8.0 or higher. As the sensors react differently on different types of phones, the performance of automerit could vary depending on the model you own.

Depending on your phone's settings, the belairdirect app will update automatically or prompt you to confirm the update. You will then need to accept the Terms of Use. If you don't have the belairdirect app, you can download it for free from the App Store© or Google Play™, sign up and accept the Terms of Use.

The app needs access to your phone's location for automerit to work. It allows us to detect the start of a trip, whether you're the driver or a passenger and driving habits, such as changes in speed.

The app uses your iPhone's motion and fitness data to access your phone's motion sensors (accelerometer and gyroscope). The accelerometer measures acceleration and helps us determine how fast your phone is moving. As for the gyroscope, it detects which direction your phone is heading.

The app uses the accelerometer and gyroscope of your phone's motion sensors. The accelerometer measures acceleration and helps us determine how fast your phone is moving. As for the gyroscope, it detects which direction your phone is heading. It also allows automerit to detect distracted driving and connect you to 911 after a crash.

The app uses state-of-the-art technology to analyze your driving habits and phone's movements to detect if you're the driver, passenger or using a different form of transportation (e.g., public transit). If one of your trips is inaccurate, you can adjust it in the app within 30 days of completing a trip.

Like all apps that use your location, automerit will consume an average of 3% to 6% of your phone's battery per day. 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 phone is in power-saving mode, the app can't record your trips.

Yes, you need a data plan with internet access to collect and transfer your driving data to us.

Typically between 30MB and 60MB of data will be used per month. This is a small fraction of the average data plan (1,000 - 2,000MB or more per month).

Log out and log back in if you already have the belairdirect app and can't access automerit. If you still can't access it, try uninstalling and reinstalling the belairdirect app or call us at 1 877 220.60651 877 220.6065. A customer service team member will walk you through activating automerit

You need to start driving for the app to determine the starting point of your trip. As a result, there's a delay of 300 metres before it can detect movement and pinpoint your location.

There are a few reasons why a trip can't be detected:

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

Follow these steps if a trip is incorrectly identified. 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 information in the app.

Go to "All trips" and select "A passenger was using my phone" within 30 days of completing the trip. This distracted driving event will then be removed from your trip summary. You can also contact us if you need to correct any other information in the app.

As long as the app has enough data on your driving habits (you drove 500 kilometres or more), we can apply Adjustments to your premium when your car insurance is renewed. If you didn't drive 500 km 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.

You must complete your registration within 15 days of the activation date. Otherwise, we could cancel your enrolment, and if an activation discount is present, it would be removed.

You will need to download the belairdirect app again. There's no need to register for automerit as the app will save all your information.

Download the app again and log in. You will find your profile, all your trips, and you're ready to get back on the road.

If you delete the belairdirect app by mistake, download it again and follow the instructions to activate automerit. The app will save all of your information, and you can continue driving. Remember, if the app can't record your trips, your personalized premium could be affected.

We're here to help. Call us at 1 877 220.6065 1 877 220.6065 if there's an error in your driving data, or if you're experiencing technical difficulties.

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 where you were 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.

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 automerit premium adjustment.

automerit helps you drive safer by using your driving data to explain driving habits such as:

• speed (whether or not you follow the speed limit)
• smoothness (if you brake hard or take sharp turns)
• focus (if you use your phone while driving)

The app will also provide you with an overview of your driving. If you're generally a safe driver, your premium could decrease. However, if you take risks on the road, you can expect your premium to increase.

For more details, go to the automerit section of the belairdirect app and check the "Make every trip count" feature:

• Far right of the green half of the gauge, you could see a decrease in premium between 10% and 25%.
• Middle of the gauge, your premium could fluctuate slightly up or down between 1% and 10%, or there could be no change (0%).
• Far left of the orange half of the gauge, you could see an increase in premium between 10% and 25%.
  

This is just an example of what your personalized premium Adjustment could be. As a result, we make no representations about the accuracy of the example. Several factors are taken into account to calculate your premium other than your participation in automerit, which increases or decreases when your insurance is renewed.

Check the app regularly to help improve your driving.

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.

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 automerit. 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”.

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.

Your driving habits are used to adjust your premium based on the driving habits we record every time you drive. By driving safely, you could decrease the cost of your insurance by up to 25%, but risky driving could increase your premium by 25%.

Here's an example, for illustration purposes only, of a $1,000 yearly car insurance contract:

If you're a new customer who signed up for automerit, you will receive a one-time 5% activation discount, so your premium will be $ 900 for the year.

We will adjust this premium according to your driving habits when your insurance is renewed. The adjustment could vary between:

• a maximum decrease of 25% = $ 750 for the year
• a maximum increase of 25% = $ 1,250 for the year

For more details, refer to the question "How can I see how my driving affects the price of my insurance?".

Go to the automerit section of the belairdirect app and check the "Make every trip count" feature once you receive your insurance renewal, or any time you want to check your progress:

• Far right of the green half of the gauge, you could see a decrease in premium between 10% and 25%.
• Middle of the gauge, your premium could fluctuate slightly up or down between 1% and 10%, or there could be no change (0%).
• Far left of the orange half of the gauge, you could see an increase in premium between 10% and 25%.

This is just an example of what your personalized premium Adjustment could be. Several factors are taken into account to calculate your premium other than your participation in automerit, which increases or decreases when your insurance is renewed.

Check the app regularly to help improve your driving.

Your personalized premium will be applied to the following belairdirect car insurance coverage (where applicable):

• Third Party Liability
• Direct Compensation for Property Damage
• Accident Benefits
• All Perils
• Collision
• Comprehensive
• Specified Perils

Refer to your insurance documents for more details on the coverage listed above.

You will remain registered for automerit even if your car is in storage. If you drive another car, your driving data will continue to be collected. If you don't drive during this time, the app will assess your driving habits once you start driving again. According to our Terms of Use, previously collected driving data may be used to calculate your premium adjustment.

You will not see a specific amount in the app as automerit monitors your driving habits to personalize your premium when your car insurance is renewed. In addition to the information available in the app, policyholders will receive a quarterly email with updates. You will see if you're on your way to a premium increase or a decrease.

For more details, refer to the question "How can I see how my driving affects the premium of my insurance?".

Refer to the question "What happens if I delete the belairdirect app" if you uninstalled the app.

If you cancel your automerit enrollment, you will no longer be able to access the automerit section in the app. Check your car insurance policy to see if your driving habits are still being used to adjust your price. If there's no mention of automerit in your policy, then you're no longer registered, and your driving data is not being used to personalize your premium.

Consult your quarterly automerit email or contact us if you want to know if the premium of your car insurance will increase or decrease because of your previously collected driving data. You can join again if you still meet automerit's eligibility criteria by contacting us at 1 877 220.6065 1 877 220.6065.

Information about your driving habits 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 automerit.

No, belairdirect only receives information to detect if you're using your phone while driving. Your phone calls will never be tracked or recorded.

No. This information is only visible to you and no other drivers on your car insurance policy. Each driver can only view their own trips if they're registered for automerit. The car insurance policy owner will receive a quarterly email with details on what drivers are headed towards a premium decrease or increase.

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.

When storing or destroying your personal information, we use strict security safeguards to prevent unauthorized access, collection, use, disclosure, copying, modification, disposal, or similar risks. If we need to transfer your personal information to a third party such as our service provider, Cambridge Mobile Telematics, they're contractually required to protect and handle your personal information. This transfer is consistent with our privacy safeguarding measures and according to all applicable laws.

belairdirect and Cambridge Mobile Telematics will only use and disclose your information according to automerit’s Terms of Use, unless otherwise required by law.

Go to this link to view our privacy policy.