You are a good driver. You drive at safe speeds, pay attention to crosswalks, brake easily, use your signals, and never look at your phone when driving. Insurance companies like good drivers, and they want to reward good habits in drivers. That’s why they offer programs like Aviva Journey, which aims to reward good drivers like yourself with an insurance discount on their auto insurance.
Car insurance programs like Aviva Journey can seem intimidating to drivers, but at Morison Insurance, we can break it down for you so you understand the benefits of participating. Whether you are a new driver looking to save money on your personal car insurance policy or want to be rewarded for your good driving habits, Aviva Journey can help. Our Morison Insurance team has answered some frequently asked questions, but don’t forget to speak to an insurance broker to see if Aviva Journey will be a good fit for you.
Aviva Journey is a telematics insurance program offered by Aviva Insurance that aims to reward drivers with safe driving habits with lower insurance premiums.
An app you install on your smartphone will record information using the phone's sensors, such as speed patterns, distance travelled, acceleration rates, braking habits, the time of day you drive, and more. It then uses this information to give you a safety score based on your driving habits, which will determine the savings on your auto insurance premium.
You can get an Aviva Journey personal car insurance policy through an insurance broker like Morison Insurance.
Aviva Journey requires you to download an app on your phone. The app uses the sensors on your phone to monitor you as you drive and record your driving habits. It automatically runs in the background of your phone and starts recording data when it detects that you are driving. Based on the information it gathers, it calculates your score based on your driving data in three main categories:
Of course, those aren’t the only factors that help calculate your driving score. Things like the type of road you are driving, the time of day, traffic levels, distance travelled, the days you’re driving, and road conditions.
Your score will determine how much your insurance premium will be. The safer you drive, the more you will save on insurance.
The Aviva Journey driving app will also provide you with feedback based on real-time data to show you how your score was calculated and provide you with personalized suggestions on how to improve your driving score.
When you sign up for Aviva Journey, you will automatically save 10% on your annual auto insurance premium. As long as you continue to practice safe driving habits, you will continue to save on your insurance rate.
Your safe driving score determines how much your premium is, so the safer you drive, the better the score, and the more you'll save on your insurance policy premiums. Depending on how good your Aviva Journey score is, your potential savings could be up to 20% on your overall car insurance costs. The average discount is 12%, which is about $350 in annual insurance savings.
It is important to note that riskier driving habits can mean you may see an increase in premium at renewal time. However, you don’t have to worry about one bad day ruining your score. Your score is based on driving data collected over the entire policy period, so if you need to brake suddenly because the neighbour's dog darted out onto the road, you won’t lose your good driving score if you continue to practice safe driving habits for the rest of the year.
The insurance representatives at Morison Insurance can help you compare quotes to determine if Aviva Journey is right for you.
Just about anyone can benefit from using Aviva Journey. Right off the bat, you can enjoy 10% savings on insurance with Avaia Journey. However, some people who can benefit from this insurance program include:
Keep in mind that when using the Aviva Journey app, your insurance discount will be applied to all coverages except vehicle insurance endorsements and family protection coverage. Additionally, it will only apply to the principal driver’s portion of your overall car insurance.
An insurance representative at Morison Insurance will help determine if you are a good fit for the Aviva Journey program.
Various information is collected by the Aviva Journey app to help determine your driving score and your insurance premium. This information includes:
Other information that is collected by the app includes:
Once collected, your data is securely transferred to the program supplier, where it is analyzed to determine your driving score. They also use the information to provide feedback on how to improve your driving habits and score.
Contact the expert brokers at Morison Insurance for more details on the information collected to determine your annual insurance premium.
Unlike some other usage-based insurance programs, you need to use the app to participate in the Aviva Journey program rather than a plug-in device on your vehicle that transmits data. So the moment it senses driving, it will start recording data. While this is good if you drive multiple vehicles, if you’re a passenger in someone else’s car, you will need to inform the app that you are a passenger for this trip. It will stop recording the information, but please note that this action cannot be undone.
One benefit of Aviva Journey is that as you continue to use the app and inform it when you are a passenger, it will better detect when you aren't driving and save those trips as passenger journeys. Journeys as a passenger also do not impact your driving score, so long as you notify your app.
However, to ensure that any passenger journeys do not impact your score, you must report when you are not driving. Otherwise, you may experience consequences regarding your score and potential insurance discount.
If you are interested in Aviva Journey but are with a different insurance carrier, you will need to discuss your options with your car insurance broker. Aviva Journey is currently available for Ontario drivers, and those who currently get car insurance through Aviva can join it for free.
If you get your car insurance through another provider, you may be able to join Aviva Journey once your policy is up for renewal. Speak to your Morison Insurance brokers to learn what you would need to consider when joining.
If you are interested in joining Aviva Journey, simply give your Morison Insurance broker a call today! As your trusted insurance experts, we want to make sure you get the auto insurance coverage you need, so whether it’s your first policy or a change to your current one, we’ll help you determine if Aviva Journey will help you get the protection you need while experiencing insurance savings and safer driving. Call us today at 1-800-463-8074 or request a quote online to learn more!
This content is written by our Morison Insurance team. All
information posted is merely for educational and informational purposes. It is
not intended as a substitute for professional advice. Should you decide to act
upon any information in this article, you do so at your own risk. While the
information on this website has been verified to the best of our abilities, we
cannot guarantee that there are no mistakes or errors.
