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Use TD MyAdvantage to unlock a personalized premium

About TD MyAdvantage

Already have car insurance with us? Try TD MyAdvantage. This program helps us offer you a more personalized auto premium. It lets you share your driving habits with us via your smartphone, so we can adjust your pricing. Join for free in the TD Insurance app and explore how TD MyAdvantage:

  • Could help safe drivers save up to 30%, although risky drivers could see increased costs of up to 30%.
  • Gives helpful feedback, including trip details that explain which driving events influenced scoring.
  • Offers a simple and easy-to-find experience in our TD Insurance app.

How it works

With the help of your smartphone, TD MyAdvantage scores you on your driving behaviour. This lets us personalize your car insurance premium. Now, driving safe could pay off even more.

Your score is based on several factors related to your driving behaviours and habits. The safer you drive the higher your score, while risky driving can lower your score. Check our FAQs for details about which events may affect your score.

Effortlessly share your driving behaviour with us so we can personalize your premium. TD MyAdvantage works easily in your phone’s background once you enable the necessary device permissions.

Make sure your driving score reflects how you drive. You have 7 days to review and remove any trips where you may not have been the driver.

Take a look at your trips to understand how we calculated your score. We list which events on the road contributed to your rating, so you know what to focus on to potentially improve your driving score.

Remember, while safe driving could earn you a maximum discount of 30%, riskier driving behaviour could lead to a premium increase of up to 30%. While we anticipate that 95% of users will either receive a discount or see no impact on their premium at the time of assessment, 5% of customers will get a premium increase.1 However, you can improve your rating with safer driving.

Some safe driving tips

  • Smooth driving

    Gradual, controlled steering lets your car maintain stability and grip. Aim for smooth transitions when accelerating and cornering.

  • Attention to speed

    Sticking to the speed limit makes it easier to react to events on the road. It's not just the law, it's also safe driving.

  • Limiting distractions

    Remember, texts and calls can wait. The safer choice is to keep your eyes on the road.

These driving habits could be riskier

  • Long trips

    You'll feel more refreshed if you keep trips under 90 minutes or if you give yourself breaks on longer drives.

  • Harsh braking

    Smoother braking is safer for everyone on the road. Plus, you’ll reduce wear and tear on brakes and tires.

  • Nighttime driving

    From poorer visibility to tiredness, driving at night has a greater potential to be more dangerous. That’s why things like speeding or harsh braking will have a greater score impact at night versus during the day.

Activation discount and premium adjustments

Enjoy an opportunity for discounted pricing. Even though premiums can change in the normal course of insurance business operations, discounts still apply against those changes.

  • Get a one-time 10% activation discount2

    • Enrol and activate TD MyAdvantage to immediately lower your auto insurance costs.
    • Keep your discount by fully activating the program within 10 days of enrolment.

  • Get a premium adjustment of up to 30% 

    • Reach your ongoing driving milestones to stay eligible and remember that the safer you drive, the more you could save.
    • Remember that risky driving could result in a surcharge of up to 30%, so keep driving safely to improve your drive score.

  • Keep your premium adjustment unique to you

    • Easily delete trips where you were not the driver.
    • Make sure your premium reflects you, not your rideshare driver.

  • Insights into your premium adjustment

    • Review each trip to see how you got your driving score.
    • Find out if any driving habits or events hold you back.

Your privacy and data

With TD MyAdvantage, your data is kept secure when we collect and analyze it.

Your data gets used to calculate and display your star rating. We may use personal information (like your name) to authenticate you, so we can perform support activities.

Here's some of the data this program collects:

  • GPS data (location information) and distance travelled for each trip,
  • Acceleration, speeding, braking and cornering derived from GPS or accelerometer data,
  • Distracted driving data (e.g., if you use your smartphone while driving),
  • Time of day,
  • Whether the TD Insurance app is being turned on and off,
  • Battery level and charging status,
  • Bluetooth and Wi-Fi connection information,
  • Internet connectivity (Cellular or Wi-Fi),
  • Mobile device information (ID, version, make, model).

For more information, refer to our terms and conditions.

Get ready to join

  1. Learn about the new program

    Take a moment to review our FAQs and discover more about the new program and how it could work for you.

  2. Download our TD Insurance app

    Get the TD Insurance app on your mobile phone and log in with your username and password.

  3. Prepare to enrol

    Stay tuned for launch. If you are currently enrolled in the TD MyAdvantage program, you will receive communications on how to pre-enrol into the new program.

Frequently asked questions

This usage-based insurance program is available through the TD Insurance mobile app. It rewards your safe driving behaviour with a discount on your auto insurance premium. However, unsafe driving can result in a premium increase. You can join if you are listed as the primary or secondary account holder on an TD Insurance auto policy. This program is voluntary and free.

Activating the program on your smartphone allows TD MyAdvantage to record and collect information on your driving behaviour for each trip. This data is used to calculate your driving score and star rating so we can personalize your premium.

You can join if you are the primary or secondary account holder on your TD auto insurance policy in Ontario and Quebec. You must have an Android or iOS-based smartphone for TD MyAdvantage to accurately track your driving.

Please note, additional drivers cannot join the TD MyAdvantage program at this time.

Your premium is personalized 6 months into your auto insurance policy term. Any adjustment is based on your overall driving score and star rating if you meet eligibilities.

If you pay your premium across several payments, your remaining payments for the policy term are adjusted to reflect your new star rating.

If you pay your premium in a single payment and your driving score and star rating improve since your last premium adjustment, you get a refund on your premium. However, if your score goes down, you will need to make an additional payment.

Visit the TD MyAdvantage section of the TD Insurance app for more details on your overall driving score and the exact date your premium will be personalized.

No. Unfortunately, you cannot trial test TD MyAdvantage. However, you can leave the program at any time by calling us or letting us know via our digital chat. See our FAQs about leaving TD MyAdvantage for more details on exiting our program.

This one-time discount is automatically applied to your premium to thank you for activating the TD MyAdvantage program.

To keep your discount, activate TD MyAdvantage within 10 days of enrolling and enable our program's in-app permissions. After that, you must take at least 30 trips before reaching your first driving milestone date. You can find this date on the TD MyAdvantage dashboard in your TD Insurance mobile app. Luckily, you will keep this discount even if you activate the program less than 60 days before your first premium adjustment and did not have time to record 30 trips.

The TD Insurance app has benefits

Discover how unexpectedly easy insurance can be with the TD Insurance app. Manage billing, payments, claims and more. 

Learn about this app

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1. This projection for the next TD MyAdvantage program is based on a sample of approximately 28,000 driving scores using Canadian driving data acquired from a third party. The sample is based on driving data from September 2023 - 2024.

2. The activation discount will be clawed back if you do not complete the steps in your TD MyAdvantage activation email within 10 days. If you are a returning TD MyAdvantage user who previously activated this program, you will not be eligible for an activation discount again.

3. Based on ratings on the App Store as of February 10, 2025.

4. Based on user ratings on Google Play, as of February 10, 2025.

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