Woman driving the car in the morning on road

Drive smarter with driving-based insurance in Ontario

A personalized premium based on how you drive

Driving-based insurance from Westland Insurance gives you more control over your car insurance. By tracking how, when, and where you drive, you could access a lower premium , plus helpful features that support you on the road every day.

Why enroll in driving-based insurance?

Potential savings

Get a personalized premium with no mid-term changes. If you drive safely, you could see savings at renewal.

Instant discount for new clients

Switching to Westland? You’ll get an activation discount when you sign up for driving-based insurance.

Built-in support at every turn

Stay ahead of the unexpected with features that come standard:

  • Crash assist: Step-by-step guidance after an accident
  • Weather alerts: Real-time notifications for hazardous driving conditions
  • Car care: Proactive tips to avoid breakdowns and track maintenance

How it works

Driving-based insurance uses a combination of:

  • Driving style: How smooth, focused, and safe you are on the road
  • Driving context: Road type, time of day, and distance
  • Standard rating factors: Like vehicle type, age, and usage

You’ll need to drive at least 500 km to generate a personalized premium. The app uses 30 to 60 MB of data per month and just 3% to 6% of your phone’s battery daily.

All of this happens securely through the app, free of charge.

Is driving-based insurance right for you?

Whether you’re an experienced driver or just looking to make smarter choices on the road, driving-based insurance is a simple way to take more control of your insurance — and potentially lower your premium.

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Talk to an advisor today

Our expert advisors are here to help you decide if driving-based insurance is the right fit. We’ll walk you through the program and explore your options, whether you’re with Intact or thinking about switching.

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