Skip to content

User-Based Insurance: Revolutionizing Auto Insurance

Discounts of up to 30% available!


In recent years, the insurance industry has seen significant advancement in technology and the rise of user-based insurance (UBI) models. UBI, also known as pay-as-you-drive or pay-how-you-drive insurance, offers personalized coverage based on your driving behaviors.

User-based insurance redefines the traditional approach to auto insurance. Rather than relying solely on general demographic factors, such as age and location, UBI leverages telematics devices or mobile applications to collect real-time data about driving habits. These data points include variables like distance driven, speed, acceleration, braking, and time of day. Insurers then use this information to calculate premiums that accurately reflect your individual risk profile.

First and foremost, UBI promotes safe driving habits. This tool helps to adopt safer driving practices, leading to reduced accidents and improved road safety.

UBI also provides more individualized pricing. Instead of relying on broad generalizations, insurance companies can assess risk on an individual basis, rewarding responsible drivers with lower premiums. This system eliminates the unfair burden placed on safe drivers who may have been paying higher rates due to factors beyond their control.

UBI can also be beneficial for young or inexperienced drivers. Traditional insurance policies often charge exorbitant premiums for this demographic. However, UBI allows them to showcase their responsible driving behaviors, leading to a more fair and affordable coverage.

As technology continues to advance and consumers become more comfortable with data-driven services, UBI is likely to become the norm rather than the exception.  At this time, we represent several companies that offer this type of program:

Intact Insurance- my Drive                                                                                      Aviva Insurance – Aviva Journey

Travelers Insurance- IntelliDrive                                                                             CAA Insurance- My Pace

The other carriers are likely to come out with their own version of this program over the next couple years.

User-based insurance empowers drivers to make conscious choices and promote safer roads.

Do you want to give it a try?

Do you want the opportunity to save up to 30% on your car insurance premiums?

Contact your Rhodes & Williams Insurance broker now to discuss the options available!


Mandy Ledain

Senior Account Executive

Rhodes & Williams

613-226-6630 ext 229

[email protected]


Get A Quote

We offer competitive rates and impeccable service.

Get A Quote    1-888-391-8379