Enjoy the journey to savings and safer driving
Take control of your car insurance costs with Aviva Journey. Good driving habits mean more savings in your pocket to spend on everything else in life. Enjoy the same coverage from Aviva for less. Talk to your insurance representative to get started today!
What is Aviva Journey?
Changes to the Aviva Journey Rewards program
We’re working hard to evolve the Aviva Journey program. Starting December 1, 2026, the eGift card rewards portion of the program will end. You can continue your journey to savings with personalized driving insights, feedback, and eligibility for driving-based discounts through the Aviva Journey app.
Introducing Aviva Journey
Video transcript
Introducing Aviva Journey
A new way to get rewarded for safe driving.
Getting started is easy, voluntary and at no cost
Receive a 10% discount just for signing up
Drivers can join at any time
Enjoy the journey to savings and safer driving
To start the journey to savings, rewards and safer driving visit aviva.ca/journey
Getting Started
Video transcript
Introducing Aviva Journey
A new way to get rewarded for safe driving
Getting started is easy, voluntary and at no cost
Drivers can join at any time
Receive a 10% discount just for signing up
To get started, contact your insurance representative to add Aviva Journey onto your policy.
Receive a welcome SMS and email with instructions to register.
After logging in, accept the Terms of Use and all permissions requested.
Aviva Journey will then record your trips and display your latest trips on the dashboard
Your dashboard will display your driving score which is calculated using data collected on:
- Speed
- Cornering
- Braking
- Acceleration
- Context
- Distracted Driving
You will also see
Your latest trips
Date, length, time and your score for the trip
And your trip displayed on a map
Enjoy the Journey to savings and safer driving
To start the journey to savings, rewards and safer driving visit aviva.ca/journey
Dashboard and Trips
Video transcript
Introducing Aviva Journey
A new way to get rewarded for safe driving
Once the app detects your first trip
It will begin recording your trips and display them on the dashboard
You can find your latest trips here
After each trip you have the option to select if you were a driver or passenger from the previous trip
You have the choice to retag your trips from driver to passenger for trips made in the last 7 days
The Go to map feature maps out your selected trip
And illustrates all of the driving events that occurred during the trip resulting in an overall score
Your overall driving score is based on factors such as:
- Speed
- Cornering
- Braking
- Accelerations
- Context
- Distracted driving
The discount screen displays both current and projected discount
You can join Aviva Journey at any time and receive a 10% enrolment discount
When your Aviva Journey policy renewal is assessed
You must have driven a minimum of 1000 kms
This tracker displays how many kilometers have been recorded by the app
Enjoy the Journey to savings and safer driving
To start the journey to savings, rewards and safer driving visit aviva.ca/journey
Take Aviva Journey along for the ride and enjoy these insurance discounts and savings when driving safely*
Instant savings
Enjoy 10%* off your insurance premium for the first year just for signing up. Ask your insurance representative for details.
Control over your premiums
Stay in control of your premium with safer driving. Responsible driving habits may help lower the cost of your car insurance, while riskier driving habits may lead to an increase when your policy renews.1 Speak with your insurance representative to learn more.
How does Aviva Journey work with auto insurance?
The app uses sensors on your smartphone to score you on your driving skills and reward you for:
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 smartphone use while in the car.
The better you drive, the better your score, the more you’ll save on your auto insurance. It’s that easy!
What you’ll see on the app
Trip details
Get your driving stats in real time on your personal dashboard. See where you’ve driven and how well you did on the road.
Driving score and potential savings
Discover your safety score and savings. We calculate your score based on your driving data.* Ask your insurance representative for details.
Tips and more
Get breakdowns of your score to help improve your driving, plus use the Find My Car feature on the app to locate your parked car.
Join Aviva Journey today and start saving on your car insurance!
Generate your personalized car insurance premium for next year and take advantage of the 10% enrollment discount* just for joining Aviva Journey. Let’s get you all setup with these three easy steps.
Sign up through your insurance representative
Both existing and new Aviva customers can sign up for Aviva Journey - talk to your insurance representative.
Download the app
Get the Aviva Journey app, set up your account, and activate the program with your personal activation code.
Journey towards savings and safer driving
That’s it! Get rewarded with discounts and better insurance rates for good driving.
Your driving data and privacy
Driving data
Data collected each time you drive include:
- GPS data – such as speed, time and location
- Scoring data - acceleration, speeding, braking, cornering and distracted driving (such as using your mobile phone while driving) (tracked from GPS or accelerometer)
- Trip details/Driving events – such as road type, distance travelled, time of day, and day of the week when a trip occurs
- Mobile device information – such as your device ID, battery level and charging status
- Internet connectivity – via mobile or wireless
- Events – such as turning on or off the app
- Other information – for location-related features such as Find my car
Data privacy
The Aviva Journey app collects your driving data for each trip and securely transfers it to our program supplier to be analyzed to determine your driving score.
We are committed to protecting your privacy. We will handle your personal information in accordance with applicable laws and our privacy policy.
FAQ
What is Aviva Journey?
Aviva Journey is a usage-based insurance program that rewards safe driving behaviour. Once you’ve downloaded and activated the Aviva Journey application (app) on your smartphone, it’ll start tracking and collecting your driving data for each trip. This data is used to calculate your driving score which helps determine your auto insurance premium. For details on how the Aviva Journey score impacts your premium, please refer to “How are my driving scores, discounts or surcharge calculated?”
What are the requirements for a personalized premium adjustment?
Depending on when you joined the Aviva Journey program, your eligibility for a personalized discount or surcharge may fall into one of two scenarios:
If you have used the app for at least 120 days prior to your renewal notification being processed, and if you have recorded at least 1,000 kilometers on the app (since the time you enrolled or since your last assessment) then you will receive a personalized discount or surcharge based on your driving score. If you recorded less than 1,000 kilometers on the app, then you will remain on the program but lose your discount (or surcharge) until the next time we assess you, i.e. when renewal is being processed.
If you’ve used the app for less than 120 days prior to your renewal notification being processed, you’ll keep the 10% enrollment discount until the next time we assess you.
NOTE: Enrollment in the Aviva Journey program does not guarantee entitlement to any program discount or surcharge, which varies based on the collected data. Your renewal review period usually starts 60-70 days before your policy renews. If you wait until the last minute to meet the program requirements, such as driving at least 1,000 km and participating for 120 days, you may not qualify for the discount in time. To make sure your driving score reflects all your trips, we strongly recommend keeping the app active and logging trips regularly throughout your policy term.
How are my driving scores and personalized premium adjustment calculated?
Safe driving can save you up to 25%1, when you drive with the app enabled and permissions turned on, while riskier driving behaviour could increase your premium by up to 25%1 off your next policy term. When your renewal notification is being processed, we will reassess you for these personalized Aviva Journey discounts (or surcharges), which will be applied to your base auto premiums. Your renewal review period usually starts 60-75 days before your policy renews. If you wait until the last minute to meet the program requirements, such as driving at least 1,000 km and participating for 120 days, you may not qualify for the discount in time. To make sure your driving score reflects all your trips, keep the app on while you’re driving during your policy term.
Note that your renewal premium will also consider changes due to traditional factors like your age, vehicle model and year, driving convictions and claims.
To calculate your driving score, the app uses sensors on your smartphone to score you on your driving skills and reward you for:
- 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 cellphone use while in the car
Additional contextual factors to help determine your score include things like:
- road types (e.g., highway, urban or rural)
- time of day
- day of week
- distance travelled
You can view the breakdown of your overall score on the “Discount” screen of the app to further understand where you can improve and get more benefits from the Aviva Journey program. The app also allows you to review details for each trip through the “Trips” screen.
Speak to your insurance representative to learn about your personalized premium.
Can I withdraw from the program at any time?
Yes, you can end your participation at any time by contacting your insurance representative, however, you will lose any discount or surcharge related to the program moving forward. You should delete the app from your phone as soon as you have completed your withdrawal through your insurance representative. Please note if you just delete the app from your smartphone this does not automatically withdraw you from the program, you will still need to contact your insurance representative to complete the withdrawal.
Still have questions? Check out the rest of our FAQ.
Get rewarded for safe driving, get started today!
See how much you can save with Aviva Journey, get a quote from an Aviva broker or from Aviva Direct.
Legal disclaimers
*For terms and conditions for Aviva Journey and rewards, please refer to the Terms of Use and FAQ - Rewards.
1Conditions apply. Discounts and surcharges vary based on your driving profile and place of residence. Rates, discounts, surcharges and eligibility rules are subject to change without notice.
The content on this webpage is for information purposes only. You will need to speak with your insurance representative to sign up to Aviva Journey. Savings are not guaranteed and vary based on your profile. Rates, discounts and eligibility rules are subject to change without notice. The insurance products described are subject to terms, conditions, restrictions and exclusions. In the event of a conflict or discrepancy between the information on this webpage and your insurance policy, the terms of your insurance policy will prevail. Not all people who call in will qualify.
The auto insurance products are underwritten by Aviva Insurance Company of Canada, Aviva General Insurance Company, and S&Y Insurance Company, subsidiaries of Aviva Canada Inc.
Trademarks, including Aviva and the Aviva logo, are all owned or used under license from the licensor.
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