Mobile App & automerit FAQs

The automerit program will assess how safely and how much you drive in order to calculate your potential discount. You could save up to 15% with a low kilometres discount based on the number of kilometres driven, or earn up to a 15% driving discount determined by your driving behaviour. Keep an eye on the app's dashboard to see how much of your discount is due to driving less vs. your driving behaviour.

Your automerit discount is based on the following driving events:

Your automerit discount or high-risk driving surcharge is based on the following driving events:

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 automerit discount is calculated over the average of several trips. Don't worry! One individual event will not have a significant impact your overall score. or high-risk driving surcharge is calculated over the average of several trips. Don't worry! One individual event will not have a significant impact.

* See "Can I receive a higher discount than what is advertised?"

Your personalized driving discount Your automerit 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 automerit discount. This fluctuation could result in a balance owing to us. When your policy is renewed, your automerit discount will be adjusted and your premium could again increase or decrease based on several factors other than a change in your automerit discount. the cost of your car insurance may increase or decrease based on several factors other than a change in your automerit discount.

Your automerit discount or high-risk driving surcharge 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 automerit discount or high-risk driving surcharge. This fluctuation could result in a balance owing to us. When your policy is renewed, your automerit discount or high-risk driving surcharge will be adjusted and your premium could again increase or decrease based on several factors other than a change in your automerit discount or high-risk driving surcharge.

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 which are highly representative of your driving and could affect your automerit discount:

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 11.0 km/hr per second.
3. Hard braking: sudden changes in braking speed starting at or exceeding -11.0 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 automerit program in your province.

The automerit 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 automerit discount or high-risk driving surcharge.

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 automerit discount will cease to apply until a new collection period is completed. or high-risk driving surcharge will cease to apply until a new collection period is completed.

During each collection period, you must drive a minimum distance of 100 km to qualify for a low kilometres discount and a minimum distance of 1,000 km to qualify for a driving discount. This distance is required to capture an accurate picture of your driving behaviour. If the minimum distance is not met, any automerit discount will cease to apply until a new collection period is completed.

For more details on how your low kilometres discount is determined, please consult the chart below:

* 100 km minimum distance required during each collection period.

Your automerit 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 automerit 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). a low kilometres discount, driving discount, or a combination of both once your first collection period has been completed (6 months after your first tagged trip).

Once your first collection period has been completed (180 days after your first trip), if applicable, your automerit discount or a high-risk driving surcharge will be applied. For a collection period ending during your policy term, you can expect that:

For a collection period ending during your policy term, you can expect that:

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

Your automerit 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 automerit discount. For upcoming policy terms, your discount will be updated approximately 6 months into your policy term, and again at renewal.

Your automerit discount or high-risk driving surcharge will 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 automerit discount. For upcoming policy terms, your discount or high-risk driving surcharge will be updated approximately 6 months into your policy term, and again at renewal.

Your projected automerit 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.

Your projected discount or high-risk driving surcharge will be displayed on the app's dashboard. Every month, the policyholder will receive an email outlining any upcoming discount or surcharge for all principal drivers on the same policy.

Your projected automerit 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 projected discount will be updated within a few minutes after each trip.

Your projected automerit discount or high-risk driving surcharge will appear in the app once you have driven a minimum of 1,000 km during a collection period. Once this threshold is reached, your projected discount or surcharge will be updated within a few minutes after each trip. However, the automerit discount or high-risk driving surcharge that is applied on your policy documents is the one calculated approximatively every 6 months, at mid-term or when your policy is renewed.

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 automerit discount program.

Your automerit discount or high-risk surcharge can't be applied to a car in storage. However, if you drive more than one car, your discount or surcharge will be applied to the car you're currently driving.

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 automerit program.

No, belairdirect 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.

belairdirect and Truemotion, Inc. will only use and disclose your information in accordance with the automerit program's Terms of Use, unless otherwise required by law.

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.

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.

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.

Only policyholders* can access your digital proof of insurance through the app. It's not possible to share with other drivers yet, but we're working on it. In the meantime, you can email the PDF version of your digital proof of insurance.

*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 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 1 888 270.9732 1 888 280.8549 1 866 473.9659 1 844 757.2925 1 866 473.9676.

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 1 888 270.9732 1 888 280.8549 1 866 473.9659 1 844 757.2925 1 866 473.9676.

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 or you can present the paper copy.

In Alberta, you also have the option of emailing your digital proof of insurance to law enforcement if required.

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.