Aviva Journey

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 enroled 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.

If you’ve used the app for less than 120 days prior to your renewal notification being processed, you’ll keep the 10% enrolment discount until the next time we assess you.

NOTE: Enrolment 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 60-75 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, we strongly recommend keeping the app active and logging trips regularly throughout your policy term.

Safe driving can save you up to 25%¹, when you regularly 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.

Yes, you can leave the program at any time by contacting your insurance representative. However, any discounts related to the program will end once you leave the program. We may continue to use the data we received before your withdrawal, and any existing program surcharges may continue to apply. You should delete the app from your phone as soon as you have completed your withdrawal. Deleting the app from your smartphone doesn’t remove you from the program. You’ll still need to contact your insurance representative to complete the withdrawal.