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ARTICLE · 05 JULY 2015

Regulatory Spotlight On Usage-Based Automobile Insurance In Ontario And Quebec

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Many Canadian automobile drivers have now enrolled in usage-based insurance ("UBI") programs to benefit from a discount on their insurance premiums.

CanadaInsurance
Michael Garellek
Michael Garellek
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By Michael Garellek and Joey Suri (Articling Student)

Background

Many Canadian automobile drivers have now enrolled in usage-based insurance ("UBI") programs to benefit from a discount on their insurance premiums. Using telematics, UBI programs record several factors such as acceleration, hard braking, mileage driven, time of day travelled and sharp turns to analyze driving behaviour and reward safe driving. New technology now allows smartphone applications to track such driving habits.

Currently, only certain insurers in the provinces of Ontario and Quebec offer such UBI programs. Similar programs are expected to launch in the provinces of Alberta and Nova Scotia in the upcoming year.

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