Connected Insurance Solutions for a Connected World™
When InsureMy launched one of Canada’s first connected fleet insurance programs in 2014, “connected insurance” meant one thing: telematics, a device in a vehicle sending data back to help fleets run safer and leaner. Twelve years later, technology and opportunities have grown. Connected insurance now reaches beyond fleet telematics into personal auto and home coverage too. It’s still a niche within Canada’s traditional insurance market, and the options vary by insurer, which is exactly where an experienced advisor earns their keep.
At its core, connected insurance uses data from connected devices, such as telematics and smart home sensors, to better understand and manage risk. You choose what you share, and when you take steps to reduce your risk, it can be reflected in your premium. Connected insurance also means your home, vehicles, and business are insured as one coordinated picture with one advisor, rather than as separate, unrelated policies.
InsureMy has been building and delivering connected insurance solutions since long before the category had a name. From that original fleet telematics program through the years that followed, we’ve spent over a decade learning what makes connected coverage genuinely useful, and what doesn’t, for real Canadian clients.
Most advisors stop at the basics, a security alarm discount, maybe. We go further, because we know where to look:
The original telematics idea has expanded well beyond fleet. Personal auto insurers now offer usage-based programs built around either a driving-score discount or pay-as-you-drive pricing based on how many kilometres you drive in a month, regardless of score. The two work differently, and not every insurer offers both; we help clients figure out which fits.
Select commercial auto markets offer telematics-based monitoring and discount programs for fleets willing to share driving data. We know which insurers offer them and how to help a fleet qualify.
Several home insurers now recognize smart water, leaks, and monitoring devices in their pricing, not just traditional alarm systems. We help clients understand which insurers factor this in, and how.
Connected insurance remains a niche in the Canadian market, available today through select traditional insurers, not as a separate product line, and not the right fit for every client or every risk. InsureMy continues to offer full access to the traditional home, auto, commercial, and specialty insurance products our clients have always relied on. Where a connected option exists within that traditional market, our experience helps clients find and make sense of it; it’s an added layer of advice, not a replacement for the coverage you already count on.
Here’s what sets InsureMy apart when it comes to connected insurance:
We were building connected insurance solutions before the category had a name, not reacting to a recent trend.
Connected options vary by insurer and change often. We track which carriers offer what, so clients don't have to.
Connected insurance is an added layer of advice on top of the traditional coverage you already rely on, never a replacement for it.
We help clients weigh whether a connected option actually fits their situation, rather than pushing it just because it's available.
Connected options can factor into Auto Insurance, Commercial Auto Insurance, and Home Insurance, depending on which insurers you’re placed with and what devices or data you’re comfortable sharing.
No. It’s typically a program or pricing option offered within a traditional policy by select insurers, not a standalone product line.
No. Connected options are opt-in, and traditional coverage remains fully available for clients who’d rather not participate.
A driving-score program prices your policy based on how you drive, while pay-as-you-drive pricing is based on how many kilometres you drive in a month, regardless of driving behaviour. Not every insurer offers both.
No. Availability varies by insurer and product line, which is why working with an advisor who tracks these programs matters.
Yes. Select commercial auto markets offer telematics-based monitoring and discount programs for fleets willing to share driving data.
About what connected options are available in the traditional market, and how they fit alongside your other coverage.
