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How to Receive a Discount for Safe Driving

TD MyAdvantage is a usage-based insurance savings program that is 100% voluntary and free. The safer you drive, the more you could save!

The program collects and analyzes driving data such as acceleration, braking, speeding, cornering, and time of day, and assigns a driving score for each trip.

Enrolling in the plan is easy. Call a TD Insurance Advisor and let them know you wish to participate in the program and then follow these three steps to receive a discount of up to 10%††:

  1. Download the TD MyAdvantage app
  2. Activate the app on your mobile device within 15 days
  3. Keep recording your trips using the app to keep your discount

It's that simple.

Your average score will be used to calculate a discount on a portion of your future.†† To be eligible for the discount, you need to use the app for at least 120 days, and your app must record 1,000 kms or more. Premiums are otherwise subject to change in the normal course of insurance business operations and the discounts will be applied against those changes, if applicable.

To learn more about the program call us at 1-866-223-1030

Conditions and restrictions apply.

††We reserve the right to remove or modify the program and/or discount at our sole discretion.

How TD MyAdvantage works

Using telematics technology, the app analyzes and measures actual driving habits to create an average driving score. This score will be used to provide any applicable discounts on a portion of your future premium.††

  • Every trip counts: the app captures driving data such as speed, braking and overall driving style.
  • Recognize your driving habits: each person on the policy who has enrolled in the program and downloaded the app can get feedback on their individual driving behaviour.
  • Drive safer: get helpful tips for safer driving and participate in driving challenges to earn badges.

Scoring

Average score
Your average score is based on a 12-month rolling average of your driving scores. Depending on how often you drive, a single trip may or may not significantly impact your score.

Your driving score includes:

Acceleration score: considers how quickly and by how much you increase your speed.

Braking score: considers how quickly and by how much you decrease your speed. Should you need to hard brake to avoid an accident, one occurrence in one trip should not significantly impact your score.

Speeding score: considers whether you’re driving at a safe speed compared to the posted speed limit.

Cornering score: considers how often you are hard cornering.

  • Driving Data

    Each time you drive, the following data is collected:

    • GPS data (location, speed)
    • Acceleration, Speeding, Braking & Cornering (taken from GPS or accelerometer)
    • Mileage
    • Time of day
    • Mobile device ID, battery level & charging status
    • Internet connectivity (Cellular or WiFi) & Bluetooth info

  • Data & Privacy

    For every trip, the app collects and securely transmits your data to be analyzed so it can calculate and display your driving score.

    We may use personal information (like your name or postal code) for authentication to perform certain support activities. We will not use your data for any other purpose without your consent.

  • Trial data

    If you are using the 30-day trial version, we will destroy all of your data after 90 days from the end of your trial period

    Get Started

Get started with TD MyAdvantage

Call 1-866-223-1030

  • 30-Day Trial

    Start a no-obligation 30-day trial of TD MyAdvantage today, even if you are not a TD Insurance customer. See how much your good driving habits could help you save on your premiums.

  • New/Current Customers

    Call us at 1-866-223-1030 or get a competitive car insurance quote and to enroll in TD MyAdvantage.

  • Already Enrolled?

    Download the TD MyAdvantage app now to get started!

See a list of our Frequently Asked Questions

Learn how to set up the TD MyAdvantage app

Find out how to get started with the TD MyAdvantage app.

View the tutorial

Mailing address:
TD Insurance (Corporate Secretariat)
50, Place Crémazie
12th Floor
Montreal (Quebec) H2P 1B6

†The TD MyAdvantage program is a usage-based insurance savings program for Ontario and Quebec-based drivers only.

††We reserve the right to remove or modify the program and/or discount at our sole discretion.