automerit FAQs & Answers

Program

Available through the belairdirect app, automerit is belairdirect's usage-based insurance program that rewards safe driving behaviour and low annual kilometres. Through your smartphone's GPS, accelerometer, and gyroscope, the automerit program will assess how safely and how much 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. You could save up to 15% with a low kilometres discount based on the number of kilometres driven, and earn up to a 15% driving discount determined by your driving behaviour. The cost of your car insurance will then be adjusted approximately every 6 months based on the driving choices you make. It's simple: the safer you drive, the more you could save! And if you drive a little, you could save even more!

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Available through the belairdirect app, automerit® is belairdirect's usage-based insurance program that is automatically included in your car insurance coverage. Through your smartphone's GPS, accelerometer, and gyroscope, the automerit program will assess how safely you drive in order to calculate your potential discount (up to 25%) or high-risk driving surcharge (up to 15%). The cost of your car insurance will increase or decrease approximately every 6 months based on the driving choices you make. It's simple: the safer you drive, the more you could save!

Joining the automerit program is quick and easy! Simply contact us, or for more information visit www.belairdirect.com/automerit. 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 automerit program, the download link will be texted to the phone number provided for each principal driver.

Joining the automerit program is quick and easy. It's automatically included in your car insurance coverage and a download link will be texted to you and each principal driver on your policy. 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!

Yes! If you're the principal driver of an eligible car, contact us and we'll sign you up. However, if you choose to opt-in to the automerit program, withdrawal from the program will result in the cancellation of your car insurance coverage

The enrolment discount is applied to the cost of your car insurance when you first join the automerit 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. 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 automerit program at any time by contacting us. However, you will lose any discount related to the program. However, withdrawal from the program will result in the cancellation of your car insurance coverage.

Your car insurance coverage will be cancelled if you withdraw from the automerit program. For more information, please review the conditions outlined in the Terms of use.

Yes, your automerit 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, your automerit discount or high-risk driving surcharge 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 automerit program.

If you're a new customer, all principal drivers on your policy will be required to enrol in the automerit program as part of their new car insurance coverage. Principal drivers added to an existing policy will also be required to enrol. If you're already insured with us, you and each principal driver on your policy can choose to opt-in to the program.

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

The automerit 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 automerit program's performance can vary as certain sensors behave differently in different devices.

Depending on your smartphone settings, the belairdirect app will update automatically with the automerit program or you will be prompted to confirm the update. If you don't have the belairdirect app, you can download it for free from the App Store© or Google PlayTM.

The automerit 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 automerit 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 automerit 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

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 automerit enrolment and you will lose any discount related to the program.

It's important to activate your enrolment in the automerit 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. and car insurance coverage.

You will need to download the belairdirect app again. There's no need to re-enrol in the automerit 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 automerit download link. All your information will be stored, and you can continue driving.

Don't worry! If you delete the belairdirect app by mistake, you just need to download it again and follow the prompts to activate the automerit 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 automerit program enrolment and you will lose any discount related to the program. and car insurance coverage.

We're here to help! Contact us at 1 877 727.8477 1 855 250.6517 1 844 364.0223 1 877 727.8477 1 855 250.6517 1 844 364.0223 and we'll guide you through activating the automerit section of the app.

We're here to help! Contact us at 1 877 727.8477 1 855 250.6517 1 844 364.0223 if there's an error in your driving data, or if you're experiencing technical difficulties.

Safety and Stats

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.

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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 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 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:

Low KM Discount km/Year Low KM Discount km/Year
15% 100* - 3000 7% 6,501 - 7,000
14% 3,001 - 3,500 6% 7,001 - 7,500
13% 3,501 - 4,000 5% 7,501 - 8,000
12% 4,001 - 4,500 4% 8,001 - 8,500
11% 4,501 - 5,000 3% 8,501 - 9,000
10% 5,001 - 5,500 2% 9,001 - 9,500
9% 5,501 - 6,000 1% 9,501 - 10,000
8% 6,001 - 6,500 0% 10,001 or more

* 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 5% 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 5%, 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.

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.

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.

The discount or surcharge 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 or surcharge that appears in the app today, which is updated after every trip.

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

  • Liability — Bodily Injury;
  • Property Damage;
  • Direct Compensation—Property Damage;
  • Accident Benefits (Standard Benefits);
  • Uninsured Automobile;
  • Collision or Upset;
  • Comprehensive;
  • All Perils;
  • Specified Perils;
  • Family Protection Coverage Endorsement (OPCF 44R).

For more details on the coverage listed above, please consult your policy documents.

In order for your automerit discount to apply, you must be enrolled in the program and listed as the principal driver of the car(s) on your policy. Not all cars on your policy may be eligible for the discount. For a list of eligible cars, please contact us.

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.

Simply put, the safer you drive, the more you can save. While many drivers may earn a driving discount of less than 15% for their driving behaviour, conversely, if you are a very safe driver, you could earn a driving discount up to a maximum of 40%. This maximum total discount of 40% can be made up of the driving discount alone or a combination of the driving discount and the low kilometres discount.

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 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.

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