What are the driving discount or surcharge eligibility requirements?

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.

Can I withdraw from the program at any time?

Yes, you can end your participation at any time by contacting your broker, 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 broker. 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 broker to complete the withdrawal.

Aviva Journey

A new way for Ontario drivers to get rewarded for safe driving

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?

Aviva Journey is an app that gives you real-time visibility on what affects your car insurance premium, leaving you in the driver’s seat. Enjoy tips on safe driving and get a personalized premium, which can decrease or increase, based on your driving habits. So, the safer you drive, the more you can save on your car insurance.

Get on the road to rewards with Aviva Journey

We’re excited to announce that we are adding a new rewards feature for Aviva Journey customers in Ontario. Now a great driving score can help you score some great eGift cards in addition to great savings on your auto insurance.

Learn more

Woman smiling and reaching for a coffee in drive through

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

Ontario drivers can join at any time

Enjoy the journey to savings and safer driving

Aviva Journey - To start the journey to savings, rewards and safer driving visit aviva.ca/journey

Video transcript
Introducing Aviva Journey

A new way to get rewarded for safe driving

Getting started is easy, voluntary and at no cost

Ontario 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

Aviva Journey - To start the journey to savings, rewards and safer driving visit aviva.ca/journey

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

Aviva Journey - To start the journey to savings, rewards and safer driving visit aviva.ca/journey

Video transcript
On the road to rewards with Aviva Journey

A new way for Ontario drivers to get rewarded for safe driving.

Introducing rewards from Aviva Journey

Get a 10% discount for signing up and up to 20% upon renewal.

Plus, great driving scores can earn you great eGift cards.

How you can earn and redeem Rewards points:
1. Drive safely, tracking 10 trips or more and accumulating 100 km or more in the month
2. At the beginning of the next month, check the Rewards screen in the app and see if you’ve earned points for safe driving
3. In the Rewards screen in the app, you can use your points towards a wide selection of eGift cards
4. Your eGift cards will be sent to your email inbox shortly after you’ve redeemed them
Update the Aviva Journey app to launch the feature and get on the road to rewards.

It’s the same Aviva Journey experience, but with more perks!

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

Drive down your premiums with good driving habits. You can save up to 20%* on your auto premium next year for being a safe driver.But with riskier driving habits, you may see an increase of up to 5%* in premium. Ask your insurance representative for details.

Easy to sign up, easy to use

Speak to your insurance representative, download the app on your smartphone, and drive your way to savings.

Rewards

On top of great savings on your auto insurance, safe driving can score you some great eGift cards with Aviva Journey Rewards.

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:

Rear view of a man driving a car down the street.

Safe speeds

Driving within speed limits consistently.

Close-up of a silver car driving along a curved road.

Smoothness and control

Accelerating, braking, and cornering your car smoothly and with control.

A man happily driving to work in his car.

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.

Close-up on a woman using the Aviva Journey app on her cellphone.

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.

A woman in a parking lot using the Aviva Journey app’s, Find my car, feature to locate her parked car.

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.

Image of woman in her 20s looking at her phone and holding a coffee

Rewards

Visit the Rewards section in your app to see your points balance and the list of available gift card options. The safer you drive, the more points you earn.

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% enrolment discount* just for joining Aviva Journey. Let’s get you all setup with these three easy steps.

Happy male insurance representative at a call centre.

Sign up through your insurance representative

Both existing and new Aviva customers can sign up for Aviva Journey - talk to your insurance representative.

A woman smiling and downloading the Aviva Journey app onto her cellphone.

Download the app

Get the Aviva Journey app, set up your account, and activate the program with your personal activation code.

Side view of a woman happily driving her car.

Journey towards savings and safer driving

That’s it! Get rewarded with discounts and better insurance rates for good driving.

News and Insights

A highway sign with the amount of savings from Aviva Journey

21 Mar 2023

Signs that point to savings – How Aviva Journey drivers are earning a car insurance discount

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A happy couple in the front seat of a car, enjoying life’s journeys while the driver still maintains focus and attention on good driving

28 Sep 2022

A seven-day journey to good driving habits with a driving discount app

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A close-up image of a driver, with the seatbelt on, and with hands firmly on the wheel in the correct driving position to ensure good driving

28 Sep 2022

How a driving app can tailor your insurance premium to your driving habits and increase your car insurance savings

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11 May 2022

Enjoy your Journey to savings and safer driving

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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 are the driving discount or surcharge eligibility requirements?

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.
How are my driving scores and discount or surcharge calculated?
Safe driving can save you up to 20%*, while riskier driving behaviour could increase your premium by up to 5%* 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.

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.

Good to know: nearly 98% of our Aviva Journey customers are on track to receive a discount.
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 full terms and conditions for Aviva Journey, please refer to the Terms of Use.

The content on this webpage is for information purposes only. You will need to speak with your insurance representative to purchase this product. 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 to purchase this product.

The auto insurance products are underwritten by Aviva Insurance Company of Canada, Aviva General Insurance Company, Traders General Insurance Company, S&Y Insurance Company, and Scottish & York Insurance Co. Limited, subsidiaries of Aviva Canada Inc.

Aviva Journey, Aviva and the Aviva logo are trademarks used under license by the licensor.

Google Play and the Google Play logo are trademarks of Google LLC. Apple and the App Store are trademarks of Apple Inc.

The insurance products described herein are subject to terms, conditions, restrictions and exclusions, which are outlined in your final policy wording. Please speak with your insurance representative if you would like to learn more.

Aviva Journey

Enjoy the journey to savings and safer driving

What is Aviva Journey?

Get on the road to rewards with Aviva Journey

Video transcript

Video transcript

Video transcript

Video transcript

Take Aviva Journey along for the ride and enjoy these insurance discounts and savings when driving safely*

Instant savings

Control over your premiums

Easy to sign up, easy to use

Rewards

How does Aviva Journey work with auto insurance?

Safe speeds

Smoothness and control

Attentiveness

What you’ll see on the app

Trip details

Driving score and potential savings

Tips and more

Rewards

Join Aviva Journey today and start saving on your car insurance!

Sign up through your insurance representative

Download the app

Journey towards savings and safer driving

News and Insights

Signs that point to savings – How Aviva Journey drivers are earning a car insurance discount

A seven-day journey to good driving habits with a driving discount app

How a driving app can tailor your insurance premium to your driving habits and increase your car insurance savings

Enjoy your Journey to savings and safer driving

Your driving data and privacy

Driving data

Data collected each time you drive include:

Data privacy

FAQ

What are the driving discount or surcharge eligibility requirements?

How are my driving scores and discount or surcharge calculated?

Can I withdraw from the program at any time?

Get rewarded for safe driving, get started today!