The TD MyAdvantage program is a usage-based insurance savings program for Ontario and Quebec-based drivers that is 100% voluntary and free! It's designed to reward safe driving behavior - the safer you drive, the more you could save. 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. If you’re interested in what factors are taken into consideration, you can find out exactly how premiums are calculated .

TD MyAdvantage rewards safe drivers based on individual driving behavior. Using a technology called telematics (a mix of telecommunications and informatics) it allows actual driving habits to be analyzed and measured.

A smartphone app captures driving data such as speed, GPS locations, mileage and driving style elements per trip. This information is then analyzed to create a driving score. We use this score to provide any applicable discounts on a portion of your future premium.* This is how TD MyAdvantage helps reward you for having safe driving habits.

No. However, the app provides phone numbers and tips to get direction on who to call and the right steps to take right after an accident.

You could save money on your auto insurance based on your personal driving habits and safety. The TD MyAdvantage app also provides feedback on your driving behavior and anyone else listed on your policy that has enrolled in the program. You also receive helpful and timely tips on how to be a safer driver.

Yes. We have a trial version of the app that you can use for 30 days. It will offer the same features as the fully activated version, however, you need to register and activate the app with an active TD Insurance policy to benefit from the discount. A trial period will give you a general idea of the score your driving would earn and potential savings.

To enroll in the TD MyAdvantage program you will need to have an active TD Insurance policy. Go on our website for a quote and get our digital discount! If you are already a TD Insurance policy holder, call us at 1-866-223-1030 and ask one of our Advisors to enroll you in the TD MyAdvantage program today.

Yes. Your data will be collected so that we can provide you with scores, tips and projected discounts as if you were an active policy holder and enrolled in the TD MyAdvantage program. However you will not benefit from the discount. At any point during the trial period you can call us at 1-866-223-1030 to enroll in the TD MyAdvantage program and begin using the activated version of the app. We will destroy all your data after 90 days from the end of your trial period.

You will receive a welcome email on the day you actively enroll in the TD MyAdvantage program. The email provides information about where to get the app and what information is required to activate it. You will need either an iPhone or Android^TM device. The app is optimized for the last three major versions of iOS and Android^TM operating systems. Please note the app is not compatible with tablets.

You have installed and activated the App at least 120 days before your Policy renewal documents are processed by TD Insurance

AND

You have recorded a minimum of 1,000 driven kms on the app prior to your Policy renewal documents being processed by TD Insurance.

The app analyzes and measures your 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. ^† The safer your driving habits the more you could save. 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.

For each trip, the app collects and analyzes data based on Time of day, Acceleration, Braking, Speed and Cornering.

Your Acceleration score is determined by how frequently you accelerate rapidly. Rapid acceleration considers how quickly and by how much you increase your speed.

Your Braking score is determined by how frequently you hard brake. Hard braking considers how quickly and by how much you decrease your speed.

We know braking hard may be required at times. The score is calculated over the average of several trips so one occurrence in one trip should not have a significant impact on your score. The most important thing is your safety! Learn more about how accidents impact your car insurance rates.

Your Speeding score is determined by respecting the speed limit and driving at a safe speed compared to the posted speed limit.

Your Cornering score is determined by how fast the car is turning and the amount of "force" that throws drivers and passengers sideways.

Your Average score is based on a 12-month rolling average of your driving scores. Thus, depending on the number of trips you take, a single trip may not have a significant impact on your score.

Trip Summary on the app will show you a map where the main events such as hard braking, speeding, cornering and acceleration are identified. Use the legend to analyze your trip. Remember that it doesn’t show every detail of a trip only the most significant events are displayed on the map.

Please note: Trips covering a very short distance will not appear in the app and will not be considered in the calculation of your score.

No. The TD MyAdvantage program is personalized to the driver.

You can flag that you are not the driver when the app starts recording. You will also be able to review your last 14 days of historical trips and flag the ones when you were not the driver.

No. Each driver has a unique identification number and the app cannot be registered on two devices at the same time.

We consider time of day because driving at night can be more dangerous due to reduced visibility and fatigue. When possible, we encourage daytime driving.

11pm – 4am on weekdays

11pm – 5am on weekends

If you are driving during these times, your overall score may be affected.

The app will function regardless of where you are situated in the world as long as your location services are enabled, your phone is turned on and you have access to a cellular network. Please note that based on your network provider and your cellular plan, you may be charged roaming costs when using the app in another country. Any additional charges are your responsibility.

Yes. Your participation in the TD MyAdvantage program is optional and can be cancelled at any time during your policy term. Please note your policy premium will be readjusted as your TD MyAdvantage discount(s) will be removed. If you wish to cancel your participation in the TD MyAdvantage program, you can call us at 1-866-223-1030. Please note that the hours of support for the TD MyAdvantage program are Monday to Friday 8:00 am to 8:00 pm and Saturday 9:00 am to 4:00 pm EST.

The app will collect the following information for each trip you make:

• GPS data (location information);
• Distance travelled for each trip;
• Acceleration, Speeding, Braking and Cornering derived from GPS or accelerometer data
• Time of day
• Confirmation of when the app is being turned on and off
• Mobile device ID
• Total mileage for all trips;
• Battery level and charging status;
• Bluetooth and Wi-Fi connection information;
• Internet connectivity (Cellular or Wi-Fi).

We may use specific personal information (like your name, email address and postal code) to perform certain support activities, such as for authentication purposes when downloading, installing and troubleshooting the app.

For every trip, the app collects and securely transmits your data (i.e., hard braking, speeding, cornering and accelerating) for analysis and calculation of your driving score. Your driving data is then securely transmitted to the app to display scores. We will not use your driving data for any other purpose without your consent.

Yes. Data will be collected with each trip.

No. You don't need a mobile data plan, but you do need at least access to WiFi. Your driving data is collected using your phone's sensors and GPS. If you do not have a mobile data plan, your trip information will be uploaded once you connect to a WiFi network, such as through your home, work, in your vehicle or other WiFi location. We expect data consumption to be similar to other apps that use GPS.

Please note: The TD MyAdvantage app is free to download; however, standard wireless carrier data rates may apply.

The effect varies from one phone model to another. However, battery consumption will be similar to any other app using GPS features. If your phone's battery level is below 15%, the app will not start (or will automatically stop recording) if you're driving. The reason for this is that we don't want the app to drain your phone's entire battery by recording trips. Remember to make sure your phone is switched on and the battery is charged enough so that trip data can be collected.

You need either an iPhone or Android^TM device. The app is optimized for the last 3 major versions of iOS and Android^TM operating systems. Please note the app is not compatible with tablets and Blackberry operating systems (OS).

It is important to remove the TD MyAdvantage app from any previous devices before re-installing on your new device.

Simply re-download the app and enter your email and PIN (created upon initial setup).You will pick up where you left off. Download instructions can be found in the original welcome email or you can call 1-866-223-1030 to have it resent. Please note that the hours of support for the TD MyAdvantage program are Monday to Friday 8:00 am to 10:00 pm and Saturday 9:00 am to 6:00 pm EST.

If you are driving and notice there are no trips or missing trips, we recommend you verify certain settings on your phone. Once you correct the below settings, we recommend taking a drive to verify if the trip recorded.

Quick verification

For iPhone users: Background app refresh must be turned on for TD MyAdvantage to process your trips. Please note, by putting your phone in low power mode, background app refresh will automatically be turned off for TD MyAdvantage.

For Android users: Please enable location, phone, and storage under the permission section of the TD MyAdvantage app.

Should these steps not resolve your specific issue, please contact a member of our technical team at 1-866-223-1030.

It is possible that certain trips are highlighted in a different color. Should you see trips in green, these trips are being identified as a "public transit trip" by the app. If you were not on public transit and were the driver of a vehicle you must click the trip and confirm that you were indeed not on public transit. Please note that after 14 days, if the trips are not validated, the km's and score will not be attributed.

Participation and eligibility in the TD MyAdvantage program require that the application be installed at all times on your phone. If you delete the app you will be notified and informed that if you do not reinstall the app, you will be removed from the TD MyAdvantage program and lose your discount.

No problem. Simply re-download the app and enter your email and PIN (created upon initial setup). You will pick up where you left off. Download instructions can be found in the original welcome email or you can call 1-866-223-1030 to have it resent. Please note that the hours of support for the TD MyAdvantage program are Monday to Friday 8:00 am to 10:00 pm and Saturday 9:00 am to 6:00 pm EST.

Please call 1-866-223-1030. A TD Insurance Advisor will provide you with the support you require. Please note that the hours of support for the TD MyAdvantage program are Monday to Friday 8:00 am to 10:00 pm and Saturday 9:00 am to 6:00 pm EST.

Call 1-866-223-1030. Inform the TD Insurance Advisor that you changed your email address and update your account. Please note that the hours of support for the TD MyAdvantage program are Monday to Friday 8:00 am to 10:00 pm and Saturday 9:00 am to 6:00 pm EST.

No. The app runs in the operating background of your phone and will automatically start recording whenever driving movement is detected.

If your trips are not recorded, there are few things that you should check:

• Make sure that your battery level is above 15%
• Check the status of location services and if the app has received permission to access location services

If the TD MyAdvantage app is still not recording you can call 1-866-223-1030 and a TD Insurance Advisor will be happy to help. Please note that the hours of support for the TD MyAdvantage program are Monday to Friday 8:00 am to 10:00 pm and Saturday 9:00 am to 6:00 pm EST.

Please call 1-866-223-1030. A TD Insurance Advisor will reset it for you.

You need to go in the settings and select ''Reset PIN''. You will need your previous PIN to change your PIN successfully.

Badges are fun awards you can earn through the app by meeting challenges designed to help you become a safer driver. The better you drive, the more badges you can earn!

The TD MyAdvantage app language follows your phone settings. If you wish to change the language of your app, please change the language of your phone.

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.

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.

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.

This discount is only for customers activating TD MyAdvantage for the first time. Also, the activation discount will be clawed back if you do not complete the steps in your 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. However, you can pick up where you left off with the same TD MyAdvantage discount you already earned the last time you were participating.

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 mobile app for more details on your overall driving score and the exact date your premium will be personalized.

Yes. Unsafe driving can result in a premium increase. If this happens, find TD MyAdvantage in your TD Insurance mobile app for details on how to improve your driving and continue using the program. Remember, your premium is personalized every year. This gives you the chance to earn a discount for safer driving habits.

You must record at least 30 trips to get your first premium adjustment. After that, you must drive at least 1000 km every 12 months to be eligible for a premium adjustment.

You will be removed from this program after 45 days if you do not use our program during this time. If this happens, any of your applicable TD MyAdvantage discounts are removed from your policy. However, any premium increase due to your driving habits will continue to apply.

You keep your most recent TD MyAdvantage discount or premium increase when you renew your auto insurance with us. Visit the TD MyAdvantage section of the TD Insurance mobile app for more details on your driving score and overall star rating as well as the exact date your premium will be personalized next. Remember, if you unenrol from TD MyAdvantage, you will lose your discount. However, any surcharge applied to you due to poor driving will continue to apply after you have unenrolled.

Your premium adjustment applies to all the cars where you are assigned as a driver. If there are multiple drivers on one car, your adjustment only applies to your portion of the premium. 

Yes. This program is optional. You can cancel any time during your policy term by calling us at 1-866-223-1030 or using the digital chat.

Remember, you lose your applicable TD MyAdvantage discounts on your policy if you unenrol from the program. However, if you received a surcharge due to your driving habits, that increase continues to apply. This is true if you decided to leave or if TD Insurance deactivated your participation in TD MyAdvantage. Finally, if you decide to come back and reactivate the program you can pick up where you left off with the same TD MyAdvantage discount you already earned the last time you were participating.

You might be removed from the program if you do not finish activating TD MyAdvantage within 10 days of enrolling, or if you did not record any data within 45 consecutive days.

If you are unenrolled, any of your applicable TD MyAdvantage discounts will be removed from your policy. If you received a surcharge due to your driving habits, it would continue to apply.

Yes. You can rejoin the program at any time by calling us at 1-866-223-1030 or using our digital chat.

If you have previously activated the TD MyAdvantage program, you are not eligible for the activation discount. However, you can pick up where you left off with the same TD MyAdvantage discount you already earned the last time you were participating.

Find out how we calculated your projected premium by selecting "How are premium adjustments calculated?" in the TD MyAdvantage dashboard.

To see how we rate a specific trip, visit "View all trips" on the TD MyAdvantage dashboard in your TD Insurance mobile app. Select your trip. From there, you can access your trip performance and see which driving events affected your trip rating.

Remember, you have 30 days after each trip to review this information.

This shows how your premium can change if you keep up your current driving habits (i.e., your projected premium adjustment). You can find this on your TD Insurance mobile app home page. You will start seeing your projected premium after you record 30 trips using TD MyAdvantage.

Each of your trips earns a rating between 0 and 5 stars. Your rating is based on different driving events during your trips: braking, acceleration, cornering, speed, distracted driving, and usage. Every trip you take adds to your overall driving score and star rating. This rating is used to determine your projected premium adjustment. For details on how each star rating can correlate to a projected premium adjustment, see "How is this calculated" in your TD MyAdvantage dashboard.

Here are the driving events we measure:

• Acceleration

Acceleration events can happen when your vehicle's speed increases quicker than is safe, given the type of road or safe speed.

• Braking

Braking is determined by how frequently you brake hard. Hard braking considers how quickly and by how much you decrease your speed.

We know braking hard may be required at times. The score is calculated over the average of several trips so one occurrence in one trip should not have a significant impact on your score. Learn more about how accidents impact your car insurance rates.

·         Cornering

Cornering is determined by how fast the car is turning and the amount of "force" that throws drivers and passengers sideways.

• Speed

Speeding is determined by whether you are driving at a safe speed compared to the posted speed limit.

• Other factors

Your trip rating can also be impacted by the time of day, distance travelled, and highway driving.

We look at 3 levels of distracted driving when we rate your trips:

• Hands-free calls that go through your headphones or your vehicle's system,
• Handheld calls,
• Direct screen usage (this will penalize your trip’s score most severely).

Each of these will negatively affect your score. 

Yes. When a passenger uses your phone during a trip, it is considered a distraction. This will count negatively towards your trip's star rating. Visit "Trips to review" within TD MyAdvantage to review your trips.

Longer trips will likely cause driver fatigue. This means there can be a higher risk of having an accident.

Accidents are more likely to happen when driving late at night. If you use your vehicle between 11PM and 5AM, you must take extra care to maintain a good score. For example, if you speed during a trip at night, you might notice that the speed sub-score will be lower than if you were speeding during the day.

Your overall driving score is calculated using all your confirmed trips from the past 12 months. Once you have been using the program for a while, new trips may only have a small impact on your overall score. Keep up the safe driving. You have until your next premium adjustment to improve your star rating.

Yes. Don’t worry, though, you can delete the trip when this happens. If the program records a trip where you weren't driving, just:

• Tap on "Trips to review" within TD MyAdvantage,
• Find the trip you want to delete,
• Swipe left on your trip to delete it.

This removes the trip from the program, so it won't affect your driving score or premium. You have 7 days to decline a trip before we save it to your overall score. 

To turn trip tracking off, you must:

• Go to the "TD MyAdvantage Preferences" page in your TD Insurance mobile app,
• Turn the toggle "Off". 

If you forget and need to delete any trips where you were not the driver, you have 7 days to visit "Review Trips" within TD MyAdvantage and swipe left on your selected trip to delete it. 

You'll need either an Apple iOS or Google Android.

TD MyAdvantage is compatible with the latest 3 versions of iOS or Android operating systems.

However, it is not compatible with tablets and Blackberry or Huawei operating systems (OS).

First, uninstall the TD Insurance mobile app from your old device. Then, re-install it on your new device. After that, log into your account and follow activation steps for the TD MyAdvantage program.

TD MyAdvantage is designed to only use a small amount of your phone's battery while recording a trip. However, we do recommend having at least 20% battery charge so we can record accurately. However, if your trip is over 3 hours long, where GPS checks will impact your phone's battery life more. As a result, you might need to charge your phone.

No. Any sort of power-save mode will reduce this program's functionality and trip tracking. Settings like these tend to block location services.

No. You don't need a mobile data plan. However, you do need access to Wi-Fi. TD MyAdvantage collects your driving data using your phone's sensors and GPS. If you do not have a mobile data plan, your trip information will be uploaded once you connect to a Wi-Fi network, such as through your home, work, in your vehicle or other Wi-Fi locations. We expect data consumption to be like other apps that use GPS.

Keep in mind that if there is insufficient data or no Wi-Fi during a trip, the app may not record trips correctly. The app only uses a very small amount of data, even the most basic data plans should be enough.

Please note: The TD Insurance mobile app is free to download; however, standard wireless carrier data rates may apply.

Sometimes it can take a little longer for your trip to appear in TD MyAdvantage. Don't worry if the odd one is missing. While about 95% of your drives will be recorded, sometimes we will miss one.

However, a trip may not be tracked or shown if your mobile phone:

• Was not in your car during a trip,
• Needs a newer operating system to be compatible with the program,
• Has a low battery level, was on power-saving mode or battery optimization mode,
• Has GPS that wasn't performing as expected during your trip.

Other reasons a trip may not be tracked include accidentally logging into TD MyAdvantage on more than one smartphone, or needing to update your TD Insurance mobile app.

If you've checked everything and are still experiencing problems, contact us via the digital chat or call us at 1-866-223-1030.

Yes. This app must run in the background for the TD MyAdvantage program to automatically record trips after being activated. Visit TD MyAdvantage regularly in your TD Insurance mobile app to review your trips.

We may collect the following personal information from you:

• Your first and last name,
• Your driver's license number,
• Your email address,
• Your enrolment date,
• Your mobile phone number,
• Your province and/or postal code,
• Your insurer.

Once activated, TD MyAdvantage will collect the following:

• Information you provide us under the program,
• GPS data (location information),
• Distance travelled for each trip,
• Acceleration, speeding, braking, cornering data derived from GPS or accelerometer data,
• Distracted driving data (using your smartphone while driving),
• Time of day,
• Confirmation of when the TD Insurance mobile app is being turned on and off,
• Mobile device ID,
• Total mileage for all trips,
• Battery level and charging status,
• Bluetooth and Wi-Fi connection information,

Internet connectivity (cellular or Wi-Fi).

You need to allow device permissions to have a great experience and for the program to function. TD MyAdvantage will not work unless you turn on location services in your settings. Allowing location permissions lets us detect driving behaviour, like changes in speed and when you start a trip. Motion sensors let us know which direction you're driving in, among other things. Finally, allowing background activity permissions lets this program run seamlessly whenever you get behind the wheel.  

We will not share your information to any third party, other than the TD MyAdvantage service provider, except if required by law. TD Insurance only uses and shares your information as outlined in the TD MyAdvantage Terms and Conditions.  

We have several security measures and standards in place to safeguard your information.  Please see TD Privacy Policy for more information about how we handle information we obtain from you. At TD Insurance, protecting your privacy and the confidentiality of your personal information is a fundamental part of our business.

No. Your phone calls will never be tracked or recorded. We only use phone call information to detect whether you are distracted while driving.

No. In TD MyAdvantage, each enrolled driver can only see their own trips.

Turn trip tracking off when you leave North America.

To turn off trip tracking:

• Go to the "TD MyAdvantage Preferences" page in your app
• Turn the toggle "Off".

We don't want to record your trips while you're away. 

If you forget and want to delete any trips that occurred outside of North America, you have 7 days to visit "Review Trips" within TD MyAdvantage and swipe left on your selected trip to delete it.