Programme « Drive Change »

Wawanesa Drive Change is a usage-based automobile insurance program that rewards safe driving. The Drive Change smartphone app tracks your driving behaviours and calculates a score for each trip you take. Through safe driving habits you can qualify for a discount on your insurance premium and earn rewards points that can be redeemed for gift cards.

You will receive a 10% discount upon signing up for the Wawanesa Drive Change program on all eligible vehicles for which you are the principal driver. If you are switching to Wawanesa from another insurance provider’s usage-based insurance program, we will match the discount you are receiving from that program up to 20%.

Additionally, by using the Drive Change app you can earn rewards points for safe driving which can be redeemed for gift cards.

Currently, the Drive Change program is available in Ontario to anyone who is the principal driver on a Wawanesa personal automobile or motorhome insurance policy. Reach out to your broker to confirm your eligibility and enroll in the program.

All drivers listed as the principal driver of a personal use private passenger vehicle or motorhome on the policy have the option to enroll in the program. Wawanesa does not require all principal drivers to enroll in the program for any individual principal driver to be able to participate in the program.

No secondary drivers can use or be tracked using Drive Change, nor is the app available to non-Wawanesa members.

Once you have signed up through your Wawanesa broker, you will receive a welcome email that includes links to the app store where you can download the app, as well as instructions to get started. Reach out if you need assistance.

The Drive Change app will be supported on most modern smartphones, but the operating systems must be iOS 13 and above for Apple and Android 8 and above.

Each principal driver enrolled in the program will have their own individual app and it should not be used by any other drivers on the policy.

You will need to have ‘Location Services’ set to ‘always’, enable notifications, and, for iOS specifically, you will need ‘Motion and Fitness’ enabled. These settings will ensure the app performs correctly. The app will guide you through all the right permissions and will let you know if something gets turned off that is needed.

The app performs like a GPS app when in use, and consumption will depend on how many trips are made and for how long. When the app is not recording it defaults to a background function.

After each trip, the Drive Change app will prompt you to select your role as driver or passenger. All trips are recorded regardless of your role, but only trips in which you identify as the driver will impact your discount and rewards points.

Over time, the app will learn your routine and will begin setting your role based on your regular behaviour. However, it is your responsibility to ensure your role is correct for each trip. You can change your driver/passenger assignment of any trip by going to the Trips tab in the app. Assignments can only be made or adjusted within seven days of the trip being recorded.

Yes. All trips are recorded and count towards your driving score regardless of which province or country you’re driving in.

To temporarily stop trip recording, go to the More tab and select Pause Recording. This will pause recording for up to five days. After this period, the Wawanesa Drive Change app will automatically resume recording trips—no further action needed. We recommend you resume trip recording in the app as soon as possible.

Each trip score is determined by the following driving behaviours:

• Speeding – (safe speed for the road condition and adhering to the speed limit)
• Harsh cornering
• Harsh braking
• Harsh acceleration
• Context
• Distracted driving (physically handling your phone while driving)

The driving behaviours listed above may be contextualized by the following factors:

• Road type
• Time of day
• Distance travelled
• Day of week

To see your overall score, visit the Dashboard in your app. At the top of the screen you will see dials that display your scores for the previous seven days and the previous six months.

View the Trips section of the Drive Change app to see a listing of all of your logged trips. Click “Go to map” beside any trip to identify the various points along the route that indicate which driving behaviour(s) triggered a reduction in your score.

Looking ahead and trying to anticipate what's coming is a good habit to get into, as it will mitigate the need to take corners quickly or brake abruptly. In addition to negatively influencing your score, sudden fast acceleration can also impact your fuel economy.

There are two parts to the speed rating: the safe speed of the road and adhering to speed limits. Safe speed is about judging the road conditions; for example, is traffic heavy, or is your visibility impaired due to the type of road?

Context measures how and when you use your car, and includes considerations such as the time of day, trip volume and trip duration.

No, each principal driver can choose if they would like to participate or not. Drivers that are only assigned as occasional drivers cannot enroll in the program.

The “Mobile use” score measures distraction based on how often and how long you interact with your phone while driving. The more you interact with your phone, the lower your “Mobile use” score for that trip.

Some examples of mobile use include:

• Handling or touching your phone or the screen.
• Texting or talking on the phone – includes using voice commands or touching the screen in your vehicle if it’s connected to your phone.
• Changing your music or playing a video on your phone.
• Interacting with wayfinding apps like Google Maps or Waze on your phone.
• Passengers holding or using your phone while you’re driving. The app cannot tell who is using your phone.

Tips for safer driving:

• Using wayfinding apps like Google Maps or streaming music does not affect your score if you do not touch your phone while you’re moving. Choose your destination or playlist before you start driving to maintain your attention behind the wheel.
• Secure your phone in a cradle and avoid touching it to help keep your eyes on the road and boost your trip score!

Remember: Not only is using a hand-held device will driving unsafe, it’s against the law in Ontario.  If you must use your phone, it should be a hands-free device.

To dispute an event, please contact the Drive Change support team.

The app tracks your trips on an ongoing basis over the life of your auto insurance policy. In the app dashboard, you can view your score for the last seven days and the last six months.

You will receive an initial 10% discount on your auto insurance policy at the time of program activation. Going forward, the app will track your driving behaviours so your future discount will be based on your Driving Score and will be applied upon policy renewal. See the Projected Discount section of the Drive Change app to see your upcoming discount amount.

Yes. Upon signing up for the Drive Change program with your broker, you must download and activate the app within 15 days or your discount will be removed from your auto insurance policy.

Please visit the Projected Discount section of the app to see how the discount is calculated.

Yes. If your current program gives you a discount that exceeds our standard 10% discount, we will match it up to 20% when you sign up for a Wawanesa policy and activate the Drive Change app. The prior discount must be from a Canadian insurance policy.

Wawanesa will strive to be as flexible and accommodating as possible. Any proof, including an in-app screenshot or a copy of a declaration page showing the discount applied will be accepted so long as the proof is dated within the last 60 days.

Yes. At the time of your policy renewal, you will need to have driven a minimum of 1,000 kms within the prior six months.

Even though you received a Drive Change discount, there may be other factors affecting your overall premium such as claims, driving convictions, or updated information about your vehicle. Read about other ways to save and speak with your insurance broker to help keep your rates affordable.

Once you’ve completed 10 trips, you’ll start seeing your overall driver score in the app and we’ll communicate with you weekly about what discount you’re trending toward for your next insurance renewal.

The app records your trips and information about how you’ve been driving. This includes data on where you drive, the speed that you drive, cornering, braking, acceleration and whether or not you become distracted by your phone while driving. For more information, refer to the Program Terms and Conditions and App Privacy.

We may share your personal information with third parties as required under the program Terms and Conditions. Third parties are only provided with the personal information that is required. Your personal information may be transferred to third parties located outside of Canada in jurisdictions that do not have laws offering the same level of protection. Regardless of the location of the third party, we have contracts that hold third parties to standards of confidentiality and security concerning your personal information that are similar to the standards that we adhere to. See our Terms and Conditions.

Yes – cancellation of your Wawanesa policy will trigger unenrollment from the Drive Change program. Once you are unenrolled, you will no longer have access to your Drive Change account and the app will no longer track your driving.

To initiate a policy cancellation, please contact your broker.

You will automatically be unenrolled from the Drive Change program at your next renewal period if you have deleted the app or if the app hasn’t registered at least 1,000 kms of driving in the past six months.

However we do recommend you contact your broker if you wish to remove the Drive Change program from your policy. This will ensure immediate termination from the program, and you will also be automatically unenrolled from the program at renewal.

First, check your junk email – the email will come from DoNotReply@drivechange.wawanesa.com. If you still don’t see it, please reach out to your broker.

Ensure your phone has all of the latest updates, and that your operating system is iOS 13 and above for Apple or Android 8 and above.

Yes – in order for the Drive Change app to detect when you begin a new driving trip, location tracking is required to be activated.

Visit the Trips tab in the app to adjust your role for a trip to be driver or passenger. Role assignments can only be made or adjusted within seven days of the trip being recorded.

All trips are recorded regardless of your role, but only trips in which you identify as the driver will impact your discount and rewards points balance.

There are a few reasons a trip may not have recorded. Here are some common things to check:

• Go to 'Permissions' in the app to ensure all of the correct permissions are turned on
• Are you using the latest version of the app? Check the app store for any updates.
• Check your settings to make sure your phone's operating system is up to date.

If you've checked all these and still find your trips aren't recording, please contact us.

If you receive one of these messages, your app has either been deleted or certain permission settings may be turned off. Check the following to resolve the issue:

• Ensure the app is installed and active
• Go to 'Permissions' in the app to ensure all of the correct permissions are turned on
• Are you using the latest version of the app? Check the app store for any updates.
• Check your settings to make sure your phone's operating system is up to date

If the connection is continuously not found, you will be unenrolled from the program and lose your Drive Change program discount.

If you have additional questions or need help, please contact the Drive Change support team at Support.DriveChange@wawanesa.com or call 1-844-626-9292.

If you were enrolled in Drive Change prior to September 2025 and have questions about the transition from the old app to the new app, please review this FAQ.

If you have additional questions or need help, please contact the Drive Change support team at Support.DriveChange@wawanesa.com or call 1-844-626-9292.