Close-up of hands on a car steering wheel with a mounted cellphone on the windshield displaying the Aviva Journey telematics app.

Terms of Use and Privacy Policy

If your policy is underwritten by S&Y Insurance Company or Aviva General Insurance Company.

Choose the Terms of Use and Privacy Policy based on when you enrolled:

[Before September 20, 2026] [After September 20, 2026]

If your policy is underwritten by Aviva Insurance Company of Canada, see Terms of Use.

If your policy is underwritten by S&Y Insurance Company or Aviva General Insurance Company (before September 20, 2026) or if your policy is underwritten by Aviva Insurance Company of Canada:

1. What is Aviva Journey?

Aviva Journey is a usage-based insurance program (“Program”) provided by Aviva Canada Inc. and its affiliates (“Aviva Canada”) to enable you to obtain a personalized premium which can decrease or increase based on your driving habits. It also includes Aviva Journey Rewards (“Rewards”) which is a program which allows you to receive Rewards points based on driving which can be redeemed for gift cards. For the terms and conditions applicable to Rewards, please visit the FAQ at: https://www.aviva.ca/en/journey/faq/

Your voluntary enrolment in the Program is subject to your acceptance of the following terms and conditions (“Terms of Use”), and the end user license agreement. These Terms of Use are included in your insurance policy package. If you do not agree with any part of these Terms of Use and the end user license agreement, you should not install, copy, download, access or otherwise use the Aviva Journey mobile application or its content.

To participate in the Program you will have to install the Aviva Journey mobile application published by Aviva Canada in the Apple App Store or the Google Play Store (“Application”) which will use your smartphone’s instrumentation (such as GPS, accelerometer etc.) to continuously collect information about your driving behaviour and transfer this information to Aviva Canada and the Program supplier. In addition to determining your potential discount or surcharge, the information collected and transferred will be used by Aviva Canada to design, operate, enhance, and administer the Program, as described in detail in the “ How is my Personal Information used?” section below.

2. Am I eligible?

To participate in the Program, you must meet the following conditions:

you must be the principal driver of an eligible private passenger automobile that has active liability coverage and is listed on an eligible automobile insurance policy with Aviva Canada (Aviva Insurance Company of Canada, Aviva General Insurance, Traders General Insurance Company, and S&Y Insurance Company);
your smartphone must be compatible with the most recent version of the Application and you must ensure that the Application is installed and updated when required;
you must maintain a data plan with your mobile service provider, allowing the Application to transfer data to Aviva Canada and the Program supplier;
you need to provide us with your mobile telephone number and email address, and they must remain valid throughout your enrolment in the Program;
you have expressly consented to your broker and/or agent to receive communications, commercial electronic messages, such as text messages, from or on behalf of Aviva Canada or the Program supplier in connection with the Program;
if you provided your broker and/or agent with the email addresses and mobile numbers for the other principal drivers on the same policy, you are acknowledging that you had full authority to provide your broker with those email addresses, numbers and obtained express consent on behalf of all enrolled drivers to receive communications, commercial electronic messages, such as text messages, from or on behalf of Aviva Canada or the Program supplier in connection with the Program;
your region must have cellular coverage available to sufficiently gather Collected Data (as defined in the “What Personal Information is Collected?” section below) regarding your driving behaviour (you can contact your mobile phone provider for details); and
you must remain enrolled in the Program and keep the Application activated for the duration of the automobile insurance policy that covers your automobile, including subsequent renewals.
you must be a principal driver and hold a valid driver’s license except a learner’s license.

3. How do I enrol in the Program?

Enroling in the Program is easy, completely voluntary, and is of no additional cost to you (except for any data fees charged by your mobile service provider as a result of your use of the Application). You must contact your broker and/or agent to enrol. You will then receive a welcome text message (SMS) and/or email with instructions to download and log into the Application. If there are multiple principal drivers on the same automobile insurance policy who have enrolled and activated the Application, text messages (SMS) and/or emails related to the Program will be sent to the mobile number provided for each principal driver. Once you have logged in using the instructions provided and accepted these Terms of Use and given the Application permission to access your location and other required data, your enrolment is completed. Once the Application detects your first trip, it will begin recording Collected Data (as defined below) regarding the driving trips and events, which will be sent to Aviva Canada and the Program supplier.

4. What happens if I do not activate the Application?

You have 15 calendar days from the date you are sent the welcome text message and/or email to download and activate the Application. If the Application is not downloaded and activated within the 15 calendar day period you will be removed from the Program. Any Program enrolment discount will be removed and an updated Certificate of Automobile Insurance and Automobile Billing Statement will be sent to you. Re-enrolment in the Program following your removal, and the ability to again receive the Program enrolment discount if re-enrolled, will be at Aviva Canada’s sole discretion.

5. How do I use the Application?

Your smartphone’s location services (GPS) must be turned on at all times, and you must give the Application permission to access other required data (for example accelerometer and gyroscope), to allow collection of Collected Data.

Once the Application is installed and activated, it will detect certain movements, record trips and tag them automatically.

Only trips where you were driving a private passenger automobile should be used to determine your Program score. If a trip was incorrectly tagged by the Application, you will be responsible for correcting its tagging within 7 days of the applicable trip.

Information relating to each trip, as well as your current and projected Program renewal discount or surcharge, is available in the Application.

6. If the Application has logged me out what should I do?

If the Application logs you out and requires you to log back in, you will need to use the email address and password created upon set-up to log back in.

7. If I change my email address, what should I do?

If you change your email address, you must contact your broker or agent to have your account updated to ensure the accuracy of data collection is not impacted.

8. When should I use the Application, and can I use it while driving another automobile?

The Application must remain activated on the smartphone of each principal driver that is enrolled in the Program.

Each time you drive a private passenger automobile, whether or not it is enrolled in the Program, you must have your smartphone with the installed and activated Application in your possession (see “How can I access/correct my tagged trips?” below).

9. What if there is a change in automobile or principal driver?

Should you or the policyholder wish to make any changes to the automobile insurance policy regarding an enrolled vehicle or principal driver, you must first contact your broker or agent. Failure to do so may lead to an extension of any collection of Collected Data and/or removal from the Program.

10. Can multiple drivers on the same policy enrol in the Program?

Each principal driver listed on the automobile insurance policy may be enrolled in the Program as long as they comply with all eligibility requirements. The Program enrolment discount and/or Program renewal discount or surcharge will only be applied to the premium of the enrolled principal driver of each automobile. Only one Application will be issued to the enrolled principal driver of each eligible automobile.

11. Can more than one driver use the same Application?

Only one enrolled driver can sign into the Application at a time on the same smartphone.

12. Will I be able to track my driving behaviour?

The Application will allow you to track trips and Collected Data. You can review these in the Application for at least the last 30 days.

You will also be able to view the potential Program renewal discount or surcharge that you may be eligible for at your next renewal. Your eligibility for renewal is subject to Aviva’s underwriting rules.

Please note that you may not be able to track Collected Data when you are using the Application in certain regions where cellular coverage required by the Application to transmit Collected Data relating to your driving behaviour is non-existent or insufficient.

13. How can I access/correct my tagged trips?

The Application will allow you to tag detected trips with information such as whether you were the driver or passenger (for example passenger in an automobile or public transit). For your convenience, the Application may also auto-tag detected trips based on an understanding of your past repetitive driving behaviour. The Application will allow you to review or correct these auto-tagged trips within 7 days.

14. Can I transfer the Application to another smartphone?

You may transfer the Application to another smartphone, however, in order to do so, you must sign out of the Application on your smartphone, download the Application onto your new smartphone and log into the Application there.

15. Does the Application affect the battery life of my smartphone?

Use of the Application may affect your smartphone’s battery life. You must ensure that the smartphone is charged and activated when the vehicle is being driven so that Collected Data may be recorded.

16. Will I be charged by my mobile service provider for use of the Application?

The Application is free and can be downloaded via Wi-Fi or cellular data. However, unless you are connected to a Wi-Fi network, downloading the Application and the Application itself will use your cellular data to transfer Collected Data to Aviva Canada and the Program supplier. You are responsible for assuming all roaming fees, data fees (including overage), plan fees and any other fees your mobile service provider may charge as a result of your download and use of the Application.

17. Will I receive a discount or surcharge for Using the Application?

Upon enrolment, you will receive a one-time Program enrolment discount that will be applicable until your first renewal, provided you install and activate the Application within 15 days of receiving the welcome text message (SMS) and/or email with instructions to download and log into the Application. If you have been enrolled in the Program for at least 120 days prior to your automobile policy renewal notification being processed, your Program enrolment discount may be replaced by a Program renewal discount or surcharge based on Collected Data for the following driving events:

a) acceleration

b) braking

c) speeding

d) cornering

e) distracted driving (for example using your smartphone while driving).

The driving events may be contextualized in light of various factors such as:

a) road type

b) day of week

c) time of day

d) distance travelled.

If you have been enrolled in the Program for less than 120 days prior to your automobile policy renewal notification being processed, your Program enrolment discount will continue until your next renewal. On your next renewal, your Program enrolment discount may be replaced by a Program renewal discount or surcharge based on the driving events/factors listed above and Collected Data. Your eligibility for renewal is subject to Aviva’s underwriting rules.

These driving events/factors and the number of kilometers driven will be continuously collected while you remain in the Program. The length of your enrolment in the Program may be adjusted to match your or the policyholder’s automobile insurance policy’s renewal date or the time we commence our renewal notification process.

During your enrolment in the Program, you must be tagged as the driver by the Application for a minimum of 1,000 kms to be eligible for a Program renewal discount or surcharge (see “Unsatisfactory collection of Collected Data” below).

Please note that enrolment in the Program does not guarantee entitlement to any Program renewal discount or surcharge, which varies based on Collected Data.

18. How is a discount or surcharge determined?

Collected Data displayed on the Application

To help you understand and visualize how you can improve your driving, the Application will translate Collected Data into comprehensible driving events and a personalized Program score will be displayed in the Application.

Upon Enrolment

Upon enrolment, you will receive a one-time Program enrolment discount that will be applicable until your first renewal. (see “Will I receive a discount or surcharge for Using the Application?” above).

At Renewal

At renewal, if eligible, a discount or surcharge may apply based on Collected Data. (see “Will I receive a discount or surcharge for Using the Application?” above). Your eligibility for renewal is subject to Aviva’s underwriting rules.

For the remainder of your enrolment in the Program

As long as you remain enrolled in the Program, your discount or surcharge will be updated based on Collected Data collected prior to the commencement of our notification process of each renewal. Your updated premium will only be effective as of your renewal date.

Effect on premium

While you are enrolled in the Program, for each renewal, your automobile insurance premium may be:

Increased – if your Program score is decreased;
Decreased – if your Program score is increased; or
Unchanged – if your previously earned Program score does not change.

Whenever your automobile insurance premium is updated, you or the policyholder will receive a corresponding Certificate of Automobile Insurance including your Automobile Billing Statement indicating any adjustment in premium:

If the premium has already been paid in full, a refund will be issued if the premium has 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.

Upon each renewal, your premium may increase or decrease based on factors other than a change in the Program score.

Unsatisfactory collection of Collected Data

If the Application has not been able to log you as the driver of at least 1,000 kms over the period of 12 months prior to the processing of your renewal documents, your Program enrolment discount, Program renewal discount or surcharge will cease to apply until your next renewal provided you meet the minimum kilometer requirements recorded by the Application. (see “Will I receive a discount or surcharge for Using the Application?” above).

19. How will my discount or surcharge be applied?

A Program renewal discount or surcharge will apply to the premium of the following coverages (where applicable) on each eligible automobile for the enrolled principal driver: Civil liability - Property damage or bodily injury to another person, All perils, Collision and upset, All perils other than collision or upset, Specified Perils.

20. What happens if the Application is deleted or does not collect and transfer Collected Data?

The Application runs in the background on your smartphone, detecting your trips and gathering Collected Data. The Application must remain activated at all times except in the event of extenuating circumstances (e.g. failure of the smartphone or unavailability of the mobile network) or unless directed by Aviva Canada. (see “Does the Application affect the battery life of my smartphone?” above). If the Application is deleted, it will stop gathering Collected Data.

If you have accidentally deleted the Application you can re-download the Application from the Apple App Store or the Google Play Store and enter your email and password (created upon set-up). The Application will pick-up where you left off.

We reserve the right at our sole discretion to terminate your enrolment in the Program should we not be able to capture an accurate assessment of your driving behaviour, if we deem there to be any misuse of the Application, or if you reside or if the automobile is used in certain regions where the cellular coverage is non-existent or insufficient, or if Aviva Canada chooses to suspend, terminate or discontinue the Program.

In the case of a malfunction of the Application or pursuant to our request, you may be required to uninstall the Application from your smartphone. As a result, reinstallation and/or reactivation of the Application on your smartphone may be required to continue with any ongoing collection of Collected Data.

21. What happens if my enrolment in the Program is terminated?

If you wish to opt out of the Program, or if you have any questions about terminating your enrolment in the Program, please contact your broker/agent.

Should you decide to opt out of the Program, or if your enrolment is terminated, the Application will stop gathering Collected Data as of the date of your deactivation of the Application and you will no longer be eligible to receive either a Program enrolment discount or any earned Program renewal discount or surcharge. Your premium will be adjusted accordingly as of the date Aviva Canada completes your unenrolment from the Program (not the date of your deactivation of the Application). Following unenrolment, you will receive an updated Certificate of Automobile Insurance.

22. How will Aviva Canada protect my privacy?

Aviva Canada is committed to protecting your privacy. We will handle your Personal Information in accordance with applicable laws and our privacy policy which can be found at https://www.aviva.ca/en/footer/privacy, as amended by Aviva Canada from time to time. However, when you participate in the Program, you will have to share additional information about your driving behaviour with Aviva Canada and the Program supplier. These Terms of Use describe in detail how we collect, use and disclose the Personal Information we collect under the Program and supplement those described in our privacy policy. For information related to the Rewards program please visit https://www.aviva.ca/en/journey/faq/

23. What Personal Information is collected?

To participate in the Program, you will have to provide additional contact information including your mobile phone number and email address which will become part of your insurance file with Aviva Canada, and such information will be handled in accordance with applicable laws and our privacy policy. In these Terms of Use, by “Personal Information”, we mean the information in your file such as your first and last name, phone number(s) including mobile phone number, drivers’ license number, email address and policy number, Aviva insurance company and branch, your Program renewal discount or surcharge, and Collected Data.

The information collected and transferred by the Application includes:

information we get directly from your smartphone’s network and instrumentation (to enable the Application to automatically detect trips), such as global positioning system (GPS) time and location data, Wifi, network status and connections, accelerometer data, gyroscope data, background location services data, background screen data, barometer data and other smartphone or instrumentation data;
information you enter directly about detected trips in the Application, such as whether you were driving. The Application determines the mode of transit (e.g. automobile or public transit) you were taking and other trending information on your trips;
technical information about your smartphone’s hardware or software, such as smartphone make and model, operating system version, software version, and other technical information relating to your smartphone (e.g., Phone model, device ID); and
information you have permitted the Application to access via Application permissions

(collectively the “Collected Data”).

24. Will Collected Data still be collected if I am outside Canada or the United States?

If you have your smartphone with you, we do not require you to have your cellular data turned on to record your trips while travelling outside Canada or the United States. If your cellular data is on, Collected Data can be tracked globally. You are responsible for assuming all roaming fees, cellular data fees (including overages), plan fees and any other fees your mobile service provider may charge you as a result.

25. How is my Personal Information Used?

Collected Data (alone and in combination with third party data such as road map software to contextualize the data) will be used to enable Aviva Canada to:

design, operate, enhance, and administer the Program by:
- determining the driving events we use or may use in the future for the purpose of determining your Program score.
- improving our understanding of your driving behaviour and activities, for example, where you drive, what times of the day you drive, how much you drive, what type of roads you drive on, what type of weather you drive in, and other data collected about specific trips in order to more effectively review and update your rating criteria (for example, location principally garaged, distance driven annually, usage type (pleasure/commute/business), etc.);
detect, investigate, process, assess (for example fault determination) and settle insurance claims;
detect, prevent and suppress fraud (for example. disclosing, pooling or analyzing Collected Data and other data in cooperation with fraud prevention organizations); and
conduct research and development to enhance and refine scoring models.
Administer the Rewards program

However, please note that Collected Data will only be used, collected and shared as permitted by applicable laws and our privacy policy.

Collected Data will not be used on it’s own to:

decline a risk;
cancel your automobile insurance policy; or
refuse to renew your automobile insurance policy.

However, we may use the Collected Data to contribute to the investigation, prevention, and suppression of suspected, attempted or actual fraud (for example, misrepresenting where a vehicle is principally garaged and operated), which may result in our declining to issue a policy or the cancellation of, or our refusal to renew, your automobile insurance policy. Where required by law, you will be contacted during any such investigations.

If your participation in the Program is terminated or cancelled for any reason, we may continue to use the Collected Data obtained prior to the effective date of termination to adjust your premium at your next renewal and any current premium adjustments may continue to apply.

Also, please note that:

For the assessment of your renewal premium, Collected Data may be used with other rating and underwriting criteria for the adjustment of your premium; and

any Program renewal discount or surcharge adjustment occurring during your automobile insurance policy term will only be done in light of the corresponding Collected Data (see “Will I receive a discount or surcharge for Using the Application?” above).

We will always collect, retain, use, and delete your Personal Information in accordance with applicable privacy laws and our privacy policy

26. How is my Personal Information disclosed?

Aviva Canada works with service providers who provide technology, systems, and services necessary to administer the Program. As a result, your Personal Information may be transferred by us or directly by the Application to these service providers who provide data processing, storage, and related services on behalf of Aviva Canada. We require these service providers to protect and handle your Personal Information in a manner consistent with our own practices as well as applicable law.

We will not otherwise disclose your Personal Information specific to the Program to third parties, except as reasonably necessary to design, operate, enhance and administer the Program or as permitted by law, unless we have your consent.

Please note that we may anonymize, aggregate, or otherwise render Collected Data non-identifiable as permitted by law, in which case these Terms of Use or our privacy policy will no longer apply to it.

27. Where is my Personal Information stored?

To administer the Program, we may transfer your Personal Information to our service providers who provide data processing, storage and related services.

In accordance with our privacy policy, Aviva Canada may use service providers located outside of Canada or related companies located outside of Canada to collect, use, disclose or store your Personal Information. Only those companies or individuals who are authorized by Aviva Canada based on their need to carry out work for the identified purposes can perform such functions.

Where your Personal Information is collected, used, disclosed or stored outside of Canada, we will attempt to contractually protect it, however, it may be subject to the laws of that jurisdiction and may be accessed by the courts, law enforcement and national security services of that jurisdiction.

The jurisdictions outside of Canada where Personal Information may be collected, used, disclosed and stored are set out in our privacy policy. To obtain further information on Aviva’s policies and practices with respect to service providers outside of Canada you may contact the Aviva Privacy Officer (contact information is provided below).

28. How long is my data stored?

Your Personal Information will be retained until it is no longer relevant for purposes of the Program or our general insurance information retention policies, after which it will be destroyed, or made anonymous. We will always collect, retain, use, and delete your Personal Information in accordance with applicable privacy laws and our privacy policy.

29. What if I am not the policyholder?

Only Collected Data will be collected, used, and disclosed by the Application for purposes of the Program. If you are not the policyholder, you acknowledge some Collected Data will be accessible to the policyholder as a result of your enrolment in the Program.

30. Who do I contact if I have questions about my privacy?

If you have any questions about your privacy or would like more information, please contact our Privacy Office at:

Aviva Canada Privacy Officer

10 Aviva Way, Suite 100

Markham, Ontario L6G 0G1

Phone: 1-800-387-4518 ext. 4167014171

Fax: 416-755-4075

Email: CAPrivacyOfficer@aviva.com

31. Any other questions?

If you have any questions about the Program, or any technical questions about downloading or activating the Application or its functionalities, please contact your broker/agent, or visit our website at www.aviva.ca for more information.

32. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY

The Application is made available “as is”, “with all faults” and “as available” and it is used by you at your own risk. Aviva Canada and its licensors make no warranties or guarantees of any kind, express or implied, including but not limited to any implied warranties or merchantability, fitness for a particular purpose, title and non-infringement. Aviva Canada and its licensors do not warrant that the Application and its operation and any data collected will be uninterrupted or error or defect-free, that any errors or defects in the Application will be corrected, that the data will not be lost or damaged, or that the Application or server(s) that make it available are free from viruses, disabling code or other contaminants.

THE PROGRAM AND THESE TERMS OF USE DO NOT ADD, LIMIT, REMOVE, OR MODIFY COVERAGES ON YOUR AUTOMOBILE INSURANCE POLICY IN ANY WAY. ALL TERMS, LIMITS, CONDITIONS, EXCLUSIONS, DEFINITIONS AND PROVISIONS OF YOUR AUTOMOBILE INSURANCE POLICY CONTINUE TO APPLY AND HAVE FULL FORCE AND EFFECT.

Terms of Use and Privacy Policy (after September 20, 2026)

1. What is Aviva Journey?

Aviva Journey is a usage-based insurance program (the “Program”) provided by Aviva Canada Inc. and its affiliates (“Aviva Canada”, “our”, or “we”) to enable you to obtain a Program adjustment to your premium, which can be a decrease, increase, or remain unchanged (the “Adjustment”), as further outlined below. If you unenroll or are removed from the Program, Aviva Canada may continue to use data collected while you were enrolled to adjust your premium or make underwriting decisions (see “How will my Collected Data be Used” below) at subsequent renewals.

2. Acceptance of the Terms of Use

By downloading and using the Aviva Journey application (the “Application”) on your smartphone (by “smartphone” we mean a mobile phone with internet access and operating system capable of running the downloaded Application as intended), you are deemed to accept and agree to be bound by the following Terms of Use (the “Terms”) during your participation in the Program. These Terms are included in your automobile insurance policy package and form part of the terms and conditions of your insurance policy with Aviva Canada.

For purposes of these Terms, “you”, “your”, “yourself”, “my” and “I” refers to any principal driver of a private passenger vehicle, whether or not they are the policyholder or a named insured, who enrolls in the Program and who meets all the conditions in the “Am I eligible?” section below (“Enrolled Drivers). Policyholders who are not also Enrolled Drivers will have their premium adjusted on each eligible vehicle based on the Collected Data of Enrolled Drivers only.

Subject to any applicable regulatory approvals, we may modify the Terms at any time by providing notice and obtaining your consent for such modifications where legally required to do so. Where such consent is not required, modifications are effective immediately and you agree to be bound by them through your continued participation in the Program following receipt of such notice. Modifications to these Terms can be viewed by logging into the Application.

If you do not accept these Terms in their entirety, (a) you are not eligible to participate in the Program. (b) do not install, copy, download, access or otherwise use the Application, and (c) You must contact your broker or insurance representative if you are already enrolled in the Program to cancel your participation in the Program.

Federal and provincial laws may completely or partially prohibit you from using your smartphone, including the Application, while driving. For your own safety, and the safety of everyone else on the road, Aviva Canada strongly encourages you to avoid any prohibited use of your smartphone or the Application while driving.

Aviva Canada reserves the right to suspend, terminate or discontinue the Program at its sole discretion.

By downloading the Application on your smartphone, you consent and agree to any future Application updates/upgrades which may be pushed to your smartphone from time-to-time.

3. How do I participate in the Program?

To participate in the Program, you must install and activate the Aviva Journey mobile application published by Aviva Canada in the Apple App Store or the Google Play Store which will use your smartphone’s instrumentation (such as GPS, accelerometer etc.) to continuously collect information about your driving behaviour and transfer this information to Aviva Canada and our service providers.

In addition to determining the Adjustment to your insurance premium, the information collected and transferred will be used by Aviva Canada to design, operate, enhance, and administer the Program, as described in detail in the “How is my Personal Information used?” section below.

If you were enrolled in previous versions of the Program, Aviva Canada may also use the data collected from those previous versions to determine any Adjustment.

4. Am I eligible?

To participate in the Program, you must meet all the following conditions:

you must be the principal driver of an eligible private passenger automobile that has active liability coverage and is listed on an eligible automobile insurance policy with Aviva Canada;
you must hold a valid driver’s license in Canada (except a G1/Level 7/Level 7-1 license)
your smartphone must be compatible with the most recent version of the Application and you must ensure that the Application is installed and updated when required;
you must maintain a data plan with your mobile service provider, allowing the Application to transfer data to Aviva Canada and our service providers;
you must provide us with your mobile telephone number and email address, and they must remain valid throughout your participation in the Program;
you have provided express consent to your broker or insurance representative to receive communications, commercial electronic messages, such as text messages, from or on behalf of Aviva Canada and our service providers in connection with the Program;
if you provided your broker or insurance representative with the email addresses and mobile numbers for the other principal drivers on the same policy, you are acknowledging that you had full authority to provide your broker or insurance representative with those email addresses, numbers and obtained express consent on behalf of all enrolled drivers to receive communications, commercial electronic messages, such as text messages, from or on behalf of Aviva Canada and our service providers in connection with the Program;
your region must have cellular coverage available to sufficiently gather Collected Data (as defined in the “What Personal Information is Collected?” section below) regarding your driving behaviour If you are unsure about cellular coverage in your area, you can contact your mobile service provider to confirm if you have sufficient coverage); and
you must remain enrolled in the Program and keep the Application activated for the duration of the automobile insurance policy that covers your automobile, including subsequent renewals.
If you have been previously terminated from the Program by Aviva Canada, re-enrolment is at the sole discretion of Aviva Canada.

5. How do I enrol in the Program?

Enroling in the Program is easy and completely voluntary, and is of no additional cost to you (except for any data fees charged by your mobile service provider as a result of your use of the Application).

Just contact your broker or insurance representative to enrol, or for more information you can visit our website at https://www.aviva.ca/en/journey . Once enrolled, you will receive a welcome text message (SMS) and/or email with instructions to download and log into the Application.

If there are multiple principal drivers on the same automobile insurance policy who have enrolled and activated the Application, text messages (SMS) and/or emails related to the Program will be sent to the mobile number provided for each of them.

Once you have logged in using the instructions provided and accepted these Terms and given the Application permission to access your location and other required data (for example: accelerometer and gyroscope) (“Data Access”), your enrolment is completed. Once the Application detects your first trip, it will begin recording Collected Data regarding the driving trips and events, which will be sent to Aviva Canada and our service providers. The Application only collects and transmits Collected Data to Aviva Canada and our service providers when a trip has been detected.

If you are a new Aviva Canada customer and are enrolling in the Program, you will receive a one-time discount applicable to your first policy term enrolled in the Program (the “Enrolment Discount”).

Please note that enrolment in the Program does not guarantee entitlement to any Adjustment, which varies based on your Collected Data and other rating factors.

6. What happens if I do not activate the Application?

You have fifteen (15) calendar days from the date you are sent the welcome text message and/or email to download and activate the Application.

If the Application is not downloaded and activated within the fifteen (15) calendar day period, you will be removed from the Program. Also, the Enrolment Discount will be removed, and an updated Certificate of Automobile Insurance and Automobile Billing Statement will be sent to you. Re-enrolment in the Program following your removal, and the ability to again receive the Enrolment Discount if re-enrolled, will be at Aviva Canada’s sole discretion.

7. How do I use the Application?

Your smartphone’s location services (GPS) must be turned on and accessible by the Application at all times, and you must also give the Application permission to access other required data (for example: accelerometer and gyroscope), to allow collection of Collected Data.

If your smartphone’s required permissions (i.e. location services (GPS) ) are turned off or inaccessible, you may not receive an Adjustment or the Adjustment you receive might have a lesser impact on your premium, and your access to certain features in the Application may be restricted (for example: you may be unable to track your driving behaviour or update incorrectly tagged trips).

Once the Application is installed and activated, it will detect certain movements, record trips and tag them automatically to be used to assess your driving behaviour and Adjustment each time you are recorded as driving, regardless of where the vehicle is insured or who it belongs to. Information relating to each trip is available in the Application.

You are responsible for validating the accuracy of the tags on your trips on the Application. Only trips where you were driving a private passenger automobile should be used to determine your Program score. If a trip was incorrectly tagged by the Application, you will be responsible for correcting its tag within seven (7) days of completing the applicable trip.

Information relating to each trip, as well as your current and projected Adjustment, is available in the Application.

We reserve the right at our sole discretion to terminate your participation in the Program or alter any Adjustment if we deem there to be any misuse of the Application (for example: tagging a trip as a passenger trip when you were the driver).

8. How can I access/correct my tagged trips?

You are responsible for validating whether your trips have been accurately tagged in the Application. The Application will allow you to tag detected trips with information such as whether you were the driver or passenger (for example: passenger in an automobile or public transit). For your convenience, the Application may also auto-tag detected trips based on an understanding of your past driving behaviour. The Application will allow you to review or correct these auto-tagged trips within seven (7) days.

9. If the Application has logged me out what should I do?

If the Application logs you out and requires you to log back in, you will need to use the email address and password created upon set-up to log back in.

10. When should I use the Application, and can I use it while driving another automobile?

The Application must remain activated on the smartphone of each principal driver that is enrolled in the Program at all times, regardless of whether you are driving the automobile enrolled in the program or another automobile (see “How can I access/correct my tagged trips?” below).

Each time you drive a private passenger automobile, whether or not it is enrolled in the Program, you must have your smartphone with the installed and activated Application with Data Access enabled.

11. If I change my email address, what should I do?

If you change your email address, you must contact your broker or insurance representative to have your account updated to ensure the accuracy of data collection is not impacted.

12. What if there is a change in automobile or principal driver?

Should you or the policyholder wish to make any changes to the automobile insurance policy regarding an enrolled vehicle or principal driver, you must first contact your broker or insurance representative. Failure to do so may lead to an unintended collection of Collected Data of a person who is not enrolled in the Program, removal from the Program, and/or impact to your coverage .

13. Can multiple drivers on the same policy enrol in the Program?

Each principal driver listed on the automobile insurance policy may be enrolled in the Program as long as they meet all eligibility requirements (see “Am I eligible?” section). The Enrolment Discount and/or Adjustment will only be applied to the premium of the enrolled principal driver of each automobile. Only one Application is permitted for the enrolled principal driver of each eligible automobile. Occasional drivers are not eligible to be enrolled in the Program; Adjustments will only be based on the Collected Data of enrolled principal drivers.

14. Can more than one driver use the same Application?

Only one enrolled driver can sign into the Application at a time on the same smartphone.

15. Will I be able to track my driving behaviour?

The Application will allow you to view your trips and Collected Data. You can review these in the Application for at least the last thirty (30) days.

You will also be able to view the potential Program renewal Adjustment that you may be eligible for at your next renewal. Your eligibility for renewal is subject to Aviva’s underwriting rules.

Please note that the Application may not be able to collect your Collected Data when you are using the Application in certain regions where cellular coverage is non-existent or insufficient, or if your smartphone’s location services (GPS) are turned off or inaccessible.

16. Can I transfer the Application to another smartphone?

17. Does the Application affect the battery life of my smartphone?

Using the Application may affect your smartphone’s battery life. You must ensure that the smartphone is charged and that the Data Access is enabled for the Application when the vehicle is being driven so that the Collected Data may be recorded.

18. Will I be charged by my mobile service provider for use of the Application?

The Application is free and can be downloaded via Wi-Fi or cellular data. However, unless you are connected to a Wi-Fi network, downloading the Application and the Application itself will use your cellular data to transfer Collected Data to Aviva Canada and our service providers. You are responsible for assuming all roaming fees, data fees (including overage), plan fees and any other fees your mobile service provider may charge because of your download and use of the Application.

19. How will my automobile insurance premium be affected by my participation in the Program?

Upon enrolment, you will receive a one-time Enrolment Discount that will be applicable until your first Assessment.

After enrollment your automobile insurance premium will be adjusted at a minimum of one-hundred and eighty (180) days from your enrollment date. All subsequent Adjustments will occur at each renewal of our policy for the following coverages (where applicable) on each eligible automobile for the enrolled principal driver; Collision or Upset, Comprehensive, All Perils, Uninsured Automobile, Direct Compensation - Property Damage, Liability, Accident Benefits (Standard benefits).

If you have been enrolled in the Program for at least one-hundred twenty (120) days prior to your first Adjustment being processed, your Enrolment Discount may be replaced by an Adjustment based on various driving events (“Driving Events”), such as:

acceleration
braking
speeding
cornering
distracted driving (i.e. using your smartphone while driving).

The Driving Events may be contextualized in light of various factors (“Factors”), such as:

road type
day of week
time of day
distance travelled.

If you have been enrolled in the Program for less than one-hundred twenty (120) days prior to your first Adjustment being processed, your Enrolment Discount will continue until your next renewal. On your next renewal, your Enrolment Discount may be replaced by an Adjustment based on the Driving Events and/or Factors listed above and Collected Data. The Adjustment will be updated upon each renewal of your, or the policyholder’s, automobile insurance policy, based on your Collected Data, and may:

Increase – if your Program score has decreased as displayed in the Application

Decrease – if your Program score has increased as displayed in the Application

Remain Unchanged – if based on your Collected Data your driving behaviour has stayed the same or does not warrant an increase or decrease.

• If the premium has already been paid in full, a refund will be issued if the premium has 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.

Your eligibility for renewal is subject to Aviva’s underwriting rules.

However, upon renewal, the premium may also be increased or decreased based on rating factors other than a change in your Adjustment based on your driving behaviour.

Driving Events, Factors and the number of kilometers driven will be continuously collected while you remain in the Program. The length of your enrolment in the Program may be adjusted to match your or the policyholder’s automobile insurance policy’s renewal date or the time we commence our renewal notification process.

During your enrolment in the Program, you must be tagged as the driver by the Application for a minimum of 1,000 kms to be eligible for an Adjustment (see “What if there is an Unsatisfactory collection of Collected Data” below).

Since your Collected Data may be contextualized, you may not be provided with an exact amount or percentage of Adjustment at your or the policyholder’s automobile insurance policy’s renewal. However, the Application will provide you with feedback on your driving behaviour which will allow you to assess whether you are trending towards an increase or decrease in premium.

Please note that enrolment in the Program does not guarantee entitlement to any Adjustment, which varies based on Collected Data.

20. What if there is an Unsatisfactory collection of Collected Data

If the Application has not been able to log you as the driver for at least 1,000 kms over the period of 12 months prior to the processing of your renewal documents, your Enrolment Discount and/or Adjustment will no longer apply until your next renewal provided you meet the minimum kilometer requirements recorded by the Application. (see “How will my automobile insurance premium be affected by my participation in the program? above).

21. What happens if the Application is deleted or does not collect and transfer Collected Data?

The Application runs in the background on your smartphone, detecting your trips and gathering Collected Data. For the Application to run, you must maintain sufficient battery life on your smartphone. The Application must remain activated and granted Data Access at all times except in the event of extenuating circumstances (for example: failure of the smartphone or unavailability of the mobile network) or unless directed by Aviva Canada. (see “Does the Application affect the battery life of my smartphone?” above).

If the Application is deleted, it will stop gathering Collected Data.

If you have accidentally deleted the Application, you can re-download the Application from the Apple App Store or the Google Play Store and enter your email and password (created upon set-up). The Application will pick-up where you left off.

In the case of a malfunction of the Application or Aviva Canada may require you to delete the Application from your smartphone. In those circumstances, reinstalling the Application and reenabling Data Access on your smartphone is required to continue with any ongoing collection of Collected Data.

22. What happens if my enrolment in the Program is terminated?

Should you decide to opt out of the Program, or if your participation is terminated by Aviva Canada for any reason, the Application will stop gathering Collected Data as of the date you delete the Application and you will no longer be eligible to receive an Enrolment Discount or any Adjustment. Your premium will be adjusted accordingly as of the date Aviva Canada completes your unenrolment from the Program (not the date you delete the Application). Following unenrolment, you will receive an updated Certificate of Automobile Insurance reflecting your unenrolment.

We reserve the right at our sole discretion to suspend or terminate your participation in the Program or alter any Adjustment for any of the following reasons:

If we determine you have breached these Terms or the terms of your automobile insurance policy with Aviva Canada, including misuse of the Application (for example, tagging a trip as a passenger when you were the driver or demonstrating a pattern of deleting and reinstalling the Application, or disabling and enabling Data Access, suggesting that your recorded driving behaviour may not represent your actual driving behaviour).
If you do not activate the application within fifteen (15) days of enrolment (see “What happens if I do activate the Application”) above.
If you do not log any trips within a consecutive period of sixty (60) or more days.
If we are not able to capture an accurate assessment of your driving behaviour,
if we determine there has been any misuse of the Application,
if you reside or if the automobile is used in certain regions where cellular coverage is non-existent or insufficient, or
if Aviva Canada chooses to suspend, terminate or discontinue the Program.

Additionally, if your participation in the Program ends for any of the reasons outlined above (including your failure to activate the Application), any Enrolment Discount or Adjustment that may be applicable will be removed.

23. How do I opt out of the Program?

If you wish to opt out of the Program, or if you have any questions about terminating your enrolment in the Program, please contact your broker or insurance representative.

If you choose to unenroll in the Program you may re-enroll at any time subject to the eligibility criteria in the section titled “Am I eligible?”. If your participation in the Program was terminated by Aviva Canada due to any breach of these Terms of Use including misuse of the Application (for example. tagging a trip as a passenger when you were the driver) your re-enrolment will be at the sole discretion of Aviva Canada.

24. What happens if I do not consent to any updated Terms of Use?

We will notify you via the Application of any updates to these Terms. You will be provided ninety (90) days to review and accept the new Terms. If you do not consent to the new Terms, you may be removed from the Program as of your upcoming policy renewal date. Any Enrolment Discount and/or Adjustment will be removed and an updated Certificate of Automobile Insurance and Automobile Billing Statement will be sent to you. Re-enrolment in the Program following your removal, will be at Aviva Canada’s sole discretion.

25. How will Aviva Canada protect my privacy?

Aviva Canada is committed to protecting your privacy and will handle your personal information we collect as part of the Program in accordance with these Terms and our privacy policy. Our privacy policy can be found at https://www.aviva.ca/en/footer/privacy and may be updated from time to time.

26. What Personal Information is collected, used and disclosed?

The following information is collected, used, and disclosed as part of the Program (collectively referred to in these terms of use as “Collected Data”):

• Your contact information, including your mobile phone number and email address.

• Collected Data, including information we get directly from your smartphone’s network and instrumentation such as global positioning system (GPS) time and location data; details on cellular and Wi-Fi network connectivity; acceleration, elevation, and movement data (from your smartphone’s gyroscope, accelerometer, and barometer); and other smartphone or instrumentation data (including whether the Application is turned off or granted access to tracking data);

• Information you enter directly into the Application, such as when you tag yourself as the driver of a trip;

• Technical information about your smartphone’s hardware or software, including smartphone make, model, device ID, operating system version, and software version and,

27. Will Collected Data still be collected if I am outside Canada or the United States?

If your cellular data is enabled on your smartphone, Collected Data will be tracked and included in your Program score if you are within the coverage area of your mobile service provider. You remain responsible for any roaming fees, cellular data fees (including overages), plan fees, and other charges from your mobile service provider.

28. How is the Collected Data Used?

Collected Data (alone and in combination with third party data such as road map software to contextualize the data) may be used by Aviva Canada and our service providers to:

Enable Aviva Canada to design, operate, enhance, and administer the Program;
Determine your Program score and Adjustment by understanding your driving behaviors such as acceleration, hard-turning, and distracted driving; see the section “How will my automobile insurance premium be affected by my participation in the Program? “above;
Adjust your premium on renewal based on factors other than a change in Program score, such as where you garage your vehicle and the distance traveled over the policy period;
Create a driver profile to help the Application automatically determine if you are the driver of a trip;
Detect motor vehicle accidents in real-time;
Investigate and settle insurance claims (for example, Collected Data may help us determine who was responsible for a motor vehicle accident and the circumstances surrounding it);
Detect, prevent, and suppress fraud (including fraud committed by users of the Application, such as misrepresentation of a home address/vehicle use, and staged accidents). Collected Data may also be shared with fraud prevention organizations in aggregated format to understand automobile fraud in general;
Assist law enforcement in investigating criminal activity;
Detect and investigate misuse or malfunction of the Application, such as disabling the application to prevent it from recording trips or tagging yourself as a passenger when you were the driver;

Conduct data science research, including enhancing scoring and anti-fraud models.
Ensure data quality and accuracy and;
Create anonymized data for any of the purposes above.

29. What won’t we use Collected Data for?

Collected Data will not be used on its own to directly:

decline a risk;
cancel your automobile insurance policy; or
refuse to renew your automobile insurance policy.

However, we may use Collected Data in fraud investigations, which may result in Aviva Canada declining to issue you an automobile policy, or canceling your automobile policy, or refusing to renew your automobile policy. Where required by law, you will be contacted during any such investigations

If your participation in the Program is terminated for any reason, Aviva Canada may continue to use the Collected Data we received prior to termination to adjust your premium at your next renewal and any existing Adjustments may continue to apply.

For the assessment of your renewal premium, Collected Data may be used with other rating and underwriting criteria for the adjustment of your premium; and

any Adjustment occurring during your automobile insurance policy term will only be done in light of the corresponding Collected Data (see “How will my automobile insurance premium be affected by my participation in the Program? “above).

30. What service providers do we use in the collection, use, and disclosure of Collected Data?

The service providers we use in the collection, use, and disclosure of Collected Data include:

technology vendors we use, to administer the Program;
expert engineers, independent adjusters, and/or lawyers, and other service providers involved in the investigations, handling, or defending of claims;
Law enforcement and fraud prevention organizations;
Data processing, storage, and related service providers.

31. Where is Collected Data stored?

To administer the Program, Aviva Canada uses service providers who store Collected Data in jurisdictions outside of Canada, as set out in our privacy policy.

32. How long is my Collected Data stored?

Collected Data is stored until it is no longer relevant for purposes of the Program or our general insurance information retention policies. After that, steps are taken to either destroy or anonymize Collected Data.

We will always collect, store, use, and destroy Collected Data in accordance with applicable privacy laws and our privacy policy.

33. How is Collected Data used in automated decision-making?

We may use exclusively automated processes to make decisions related to the Program. These automated processes include calculating your Program Score, analyzing whether you are the driver of a trip, and identifying fraud. If you would like to submit observations about these processes, please contact us (see ”Who do I contact if I have questions about my privacy?” below).

See the “How does Aviva handle my data rights?” section of the Aviva Privacy Policy for details on how you can learn more and submit observations about how your personal information is used to make automated decisions.

34. What if I am not the policyholder?

Collected Data will be collected, used, and disclosed by the Application for set out in these Terms. If you are not the policyholder, you must obtain the policyholder’s consent to participate in the Program and you acknowledge some of the Collected Data will be accessible to the policyholder as a result of your participation in the Program.

35. Who do I contact if I have questions about my privacy?

If you have any questions or would like more information about your privacy, please contact our Privacy Office at:

Privacy Office, Aviva Canada Inc.,

10 Aviva Way, Suite 100

Markham, Ontario L6G 0G1

Call us (toll free): 1-844-398-2009

Email: privacyoffice.ca@aviva.com

36. Any other questions?

If you have any other questions about the Program, such as technical questions about downloading or activating the Application or its functionalities, please contact your broker or insurance representative, or visit our website at www.aviva.ca for more information.

37. DISCLAIMER OF WARRANTY AND LIMITATION OF LIABILITY

The Application is made available “as is”, “with all faults” and “as available” and it is used by you at your own risk. Aviva Canada and our service providers make no warranties or guarantees of any kind, express or implied, including but not limited to any implied warranties or merchantability, fitness for a particular purpose, title and non-infringement. Aviva Canada and our service providers do not warrant that the Application and its operation and any data collected will be uninterrupted or error or defect-free, that any errors or defects in the Application will be corrected, that the data will not be lost or damaged, or that the Application or server(s) that make it available are free from viruses, disabling code or other contaminants.

THE PROGRAM AND THESE TERMS DO NOT ADD, LIMIT, REMOVE, OR MODIFY COVERAGES ON YOUR

AUTOMOBILE INSURANCE POLICY IN ANY WAY. HOWEVER, THESE TERMS ADD ADDITIONAL TERMS TO YOUR AUTOMOBILE INSURANCE POLICY WHICH ARE SPECIFICALLY LIMITED TO OUTLINING YOUR

RESPONSIBILITIES UNDER THE PROGRAM AND OUR COMMITMENT TO USE YOUR INFORMATION FOR THESE PURPOSES OF THE PROGRAM AS IS DISCUSSED ABOVE. ALL TERMS, LIMITS, CONDITIONS, EXCLUSIONS, DEFINITIONS AND PROVISIONS OF YOUR AUTOMOBILE INSURANCE POLICY CONTINUE TO APPLY AND HAVE FULL FORCE AND EFFECT.