Frequently asked questions about the CIBC Insurance DriveSmart Program
CIBC Insurance DriveSmart is a free and voluntary program. It uses telematics to help you save on your car insurance. Based on your driving habits, you could get savings of up to 25% on your car insurance premium. Your CIBC Insurance DriveSmart data will only be used to calculate savings for you.
To sign up for the CIBC Insurance DriveSmart program, you need to have an auto insurance policy with us and an iPhone or Android device.
To sign up for the CIBC Insurance DriveSmart program, you need an iPhone or Android device. Also, your smartphone needs to have a GPS, an accelerometer and a gyroscope. CIBC Insurance DriveSmart is not available on tablet.
No, you don’t need a data plan to sign up for the CIBC Insurance DriveSmart program.
There are 2 ways to sign up:
If you're insured with us, sign up directly in the app or call us at 1-855-964-2082.
If you're not insured with us, get an online quote or call us at 1-855-964-2082.
The CIBC Insurance DriveSmart program and app are completely free.
No. The CIBC Insurance DriveSmart program won't increase your insurance premium. But based on your driving habits, it could help you save on your auto insurance after the trip analysis period. When you renew your insurance policy, we’ll calculate your premium using standard insurance rules. Remember that there are some other factors that can impact your overall premium, including at-fault accidents or traffic convictions that may occur during the policy term.
At the end of the trip analysis period, you’ll find out if you’re eligible for a discount on your insurance premium. You’ll also see your driving results: number of trips, hours of driving, distance travelled and medals earned.
Yes, you can choose to continue getting feedback. Just bear in mind that once the trip analysis period is complete, your score and your discount won’t change. Future trips won’t be used to calculate a new discount, unless a new trip analysis is requested.
First, you need to complete the trip analysis period. This records your trips for 100 days and 1,000 km to get a realistic picture of your driving habits and calculate your final score. If you’re eligible for a discount, it will be applied immediately to your car insurance premium.
if you have already paid your premium in full, you will receive a premium refund for the discount.
If you pay your premium with pre-authorized payments, your discount will be divided equally and applied to your remaining payments.
You keep your discount for as long as you’re insured with us. If you make changes that affect your auto insurance policy, like a change of vehicle or a change of address, we may ask you to do another trip analysis.
CIBC Insurance DriveSmart analyzes how you drive. Once you’ve recorded trips for 100 days and you’ve travelled 1,000 km, CIBC Insurance DriveSmart calculates your final score and your discount.
CIBC Insurance DriveSmart analyzes the following:
Fast acceleration and hard braking We know that there are times when you need to accelerate fast to let an ambulance through or brake hard to avoid an accident. So it’s good to know that your score isn’t based on one-off events. Instead it’s calculated on your driving profile as a whole.
Speed Respecting the speed limit decreases the risk of an accident and helps improve road safety. That being said, the parameters of the app have been set to allow a small margin over the legal speed limit (between 10 and 15 km/h depending on the limit), without compromising the safety values we want to promote with its CIBC Insurance DriveSmart program. To maximize your score and, by extension your discount, drive at a safe speed!
Time of day travelled The risk of an accident is higher at certain times of the day. For instance, driving at night is considered more risky than driving during the day because of driver fatigue and reduced visibility. The level of risk is associated with different times of day.
Distance travelled The less you drive, the more you save. Shorter trips pay off because they increase your score!
Cell phone use while driving (Quebec only) Cell phone use is one of the leading causes of accidents. If you stay off your phone while driving, you’ll improve your score and help make the roads safer.
Trip routines (Quebec only) If you take the same routes all the time, you’re less likely to encounter surprises and have an accident. The more regular your daily routine, the higher your score will be.
Your score is updated after each day of driving. It’s based on a general picture of your driving, so a single event won’t have a direct impact on your score. We analyze the overall trends in your driving habits to calculate your score.
Medals are a great way to challenge yourself to be a better driver! Each medal has 4 levels of difficulty, so you can improve your driving at your own pace. When you earn a medal, simply tap it to claim it.
How your score converts into savings:
CIBC Insurance DriveSmart measures your trips for 100 days and 1,000 km. This is called the trip analysis period. At the end of the analysis, you’ll get your overall driving results, your final score and your auto insurance discount.
0 to 60
61 to 63
64 to 66
67 to 69
86 and 87
88 and 89
90 and 91
92 and 93
94 to 96
97 and up
You can cancel the CIBC Insurance DriveSmart program at any time, without penalty, by calling us at 1-855-964-2082. Remember that deleting the app from your phone will not cancel your enrollment.
If you cancel your enrollment, you will no longer be eligible for CIBC Insurance DriveSmart savings.
Even if you're already insured with us, you can still sign up for the CIBC Insurance DriveSmart program and potentially save on your auto insurance.
To find out how much you could save, sign up for the CIBC Insurance DriveSmart program directly in the app.
The app records:
Vehicle location (GPS)
Accelerometer data (which measures accelerations) and gyroscope data (which measures rotational movements)
Application power on/off
Your score, your medals and your driving data for the last 30 days are displayed in the app. You can also get a more detailed view of each trip and much more!
As an CIBC Insurance DriveSmart user, you should make sure your phone’s battery is charged and the phone is not turned off when you’re driving so the application can collect data. If the battery is too low, no data will be collected.
Most of the time, the app will automatically detect if you’re driving by analyzing your trip. However, if you weren’t driving and the application did not detect it, you can correct the trip information in the dashboard.
Remember that the map doesn’t show every detail of a trip. It only identifies the most significant events.
No. Your discount isn’t affected when someone else drives your car.
If you weren’t driving and the application didn’t detect it, simply indicate it in the app for the trip in question.
The CIBC Insurance DriveSmart program discount applies to all vehicle coverages and Ontario policy change forms (OPCF), except:
OPCF 3 – Drive Government Automobiles
OPCF 20 – Coverage for Transportation Replacement
OPCF 27 – Liability for Damage to Non-Owned Automobile(s)
OPCF 44R – Family Protection Coverage
After downloading the app and activating the CIBC Insurance DriveSmart section, your phone’s operating system will send a location permission request. To use the app and enjoy the benefits, you must accept the request. This permission request will allow us to collect your driving data so that we can calculate your score, which will be turned into savings at the end of the trip analysis period.
You can get a lot of information about your driving habits:
CIBC Insurance DriveSmart The dashboard shows your score and trip summaries. If you weren’t driving and the app thinks you were, the dashboard is where you can indicate that. The app gives each trip a star rating based on the data collected. The dashboard also gives a trip analysis countdown, showing the number of days (out of 100) and kilometres (out of 1,000) remaining before you get your final score. Note that trips under 1 km will not appear in the app and will not be taken into account to calculate your score.
Trip summary Tap any trip in your dashboard to see more details. You can view a map identifying the main events of the trip and use the legend to help you analyze it. Remember that the map doesn’t show every detail of a trip—only the most significant events.
Achievements Track how many medals your great driving has earned you!
All trips are saved and then analyzed. This means there’s a short delay before the data is available. Depending on your Wi-Fi selection in your account settings, the data will be uploaded at the end of trip or when you enter a Wi-Fi zone. At the end of the trip analysis period, you can choose to stop recording your trips.
The application uses a predictive model to determine if you’re driving. It’s also how we determine what mode of transportation you’re using. But if it turns out you weren’t the driver or you used a different mode of transportation than the one detected, you can easily change your trip information in the app.
Yes. The CIBC Insurance DriveSmart section app has an effect on the battery. The effect varies from one telephone model to another, but battery consumption is highest when the app uses the GPS. If your phone’s charge is too low, CIBC Insurance DriveSmart will not start up or will stop collecting data if you’re driving, as we don’t want to drain your phone’s battery recording trips. We are actively working to reduce the effect of the CIBC Insurance DriveSmart app on your battery consumption. Remember to make sure your phone is switched on and the battery is charged so that trip data can be collected.
Deleting the app from your phone won’t cancel your enrollment, because the collected data will be held in your file for a year. If you want to stop using the CIBC Insurance DriveSmart app and cancel your enrollment, first call 1-855-964-2082 and we’ll remove the program from your auto insurance policy. You can then delete the app from your phone.
If you have to delete the app from your phone for another reason, simply download the app again and you can pick up where you left off.
Once you’ve signed up for CIBC Insurance DriveSmart, we’ll send you a text or email with your activation code. Follow the steps in the email and enter your activation code to activate CIBC Insurance DriveSmart.
The app may not be compatible with your smartphone or your phone’s operating system. The app is only compatible with Apple iOS and Google Android.
This is probably because your phone does not have the right functions to use CIBC Insurance DriveSmart: a GPS, an accelerometer and a gyroscope.
If your phone has all these functions and you still can’t activate CIBC Insurance DriveSmart, please call us at 1-855-964-2082 to remove the CIBC Insurance DriveSmart program from your auto insurance policy.
CIBC Insurance DriveSmart is not available on tablet.
Respecting your privacy is an important part of our commitment to providing service excellence. We’re committed to protecting your privacy, and we understand that you may have concerns about how we use the collected data.
Your personal information is completely confidential. It will only be used for the purposes of the CIBC Insurance DriveSmart program and will not be disclosed for other purposes except where required by law.
The CIBC Insurance DriveSmart app only collects your name, date of birth, email and driving data. This information is used by Cambridge Mobile Telematics (CMT) for the CIBC Insurance DriveSmart program, to provide usage-based insurance services. CMT will not otherwise use personal information, or disclose or transfer personal information to any third party except if required by law.
The identifying information will only be used by us to link the data received by CMT to the enrolled driver(s) and vehicle(s) on the insurance policy.
The following data will be used to calculate your potential savings on your auto insurance policy during the trip analysis period:
Fast acceleration and hard braking
Time of day travelled
Trip routines (Quebec only)
The collected data will not be used to increase your premium during your current policy term, or to cancel your policy, or to refuse to renew your policy, or to increase your premium on renewal. We will not sell or communicate the collected data to any third party except if required by law. We will not use the collected data to your prejudice regarding an insurance claim you have with us or in any claim that is brought against you.