What is CIBC Insurance DriveSmart™ program?

Once you have signed up, you will have 100 days of trip analysis to perform and 1,000 km to drive. Your driving habits may save you up to 25% off your auto insurance! After 5 trips as a driver, you'll get a score out of 100. Your score is calculated using the driving data the app collects and is updated after each day of trips.


To enroll in the CIBC Insurance DriveSmart program, you need:

  • An auto insurance policy with the CIBC Home and Auto Insurance Program
  • A smartphone (iPhone or Android device) fewer than 3 years old

How to enroll:

If you’re a CIBC Auto Insurance customer, you can

Frequently asked questions

Everything you need to know about the CIBC Insurance DriveSmart program, all in one place!

Terms and Conditions for Ontario residents (PDF, 411 KB)

Terms and Conditions for Québec residents (PDF, 333 KB)


We're committed to keeping your personal information secure and confidential.

To find out more about how your personal information is managed, please read the CIBC Insurance DriveSmart program Terms and Conditions.


The CIBC Insurance DriveSmart application is compatible with iPhone or Android™ smartphones that are less than three years old. If you are unable to view the application, your phone is most likely incompatible. Please call an insurance agent at 1-855-964-2082.

The discount does not apply to certain endorsements and additional coverages. Subject to the Terms and Conditions of the CIBC Insurance DriveSmart program in effect on the date of your enrollment.. Certain conditions and restrictions may apply.

Apple, the Apple logo, iPhone and Apple Watch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play and Android are trademarks of Google Inc.

CIBC Insurance DriveSmart program is available only in Ontario and Quebec and is part of The CIBC Home and Auto Insurance Program that is brought to you by CIBC Insurance Agency Inc. The Program is underwritten and distributed by Certas Direct Insurance Company in Ontario and The Personal Insurance Company in all other provinces and territories except Quebec. In Quebec, the Program is underwritten by The Personal General Insurance Inc. and distributed by CIBC Insurance Agency Inc. CIBC Insurance Agency Inc. receives compensation when a policy is sold or renewed. CIBC Insurance Agency is neither responsible nor liable for CIBC Insurance DriveSmart.