The Globe and Mail reports on usage-based insurance programs and a wireless device that can track driving habits. The device can measure distance travelled, frequency of braking, acceleration and what time of day driving occurs, all of which can help determine insurance rates. Usage-based insurance has recently been launched in Ontario and Quebec on a voluntary basis. A Desjardins Insurance representative said, “We cannot use the data to cancel, not renew or increase the premiums, or use it for a claim.” The program is opt-in and currently has more than 20,000 participants. Privacy concerns over the programs persist, but Ontario Information and Privacy Commissioner Ann Cavoukian has said Desjardins has taken steps to protect consumer privacy.
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