Novo Drive, the Driving Program for Generation Now.
Novo Drive personalizes your insurance rate based on your actual driving behavior– starting at 10% off just for enrolling and upto 30% off at renewal.
Enroll in Novo Drive, and you’re on the fast road to savings.
Novo Drive is our usage-based insurance program that allows customers to monitor and improve driving habits while offering a chance to lower premiums. Once enrolled, drivers will receive an initial 10% participation discount for activating their device.
Get an automatic discount up to 10% just for participating.
Car insurance rates are based on a variety of issues related to your driving history. Why should you pay for factors that are beyond your control. We believe you should pay for how much you drive and how safe you are on the roads. Novo Drive personalizes your insurance rates based on your actual driving behavior.
No PhD required, it’s as easy as:
Enroll
Join Novo Drive when you sign up for a new Novo policy.
Download
Set up the app on your own smartphone, as well as every driver on your policy.
Drive
Get on the open road and track your trips for 90 days with the app.
Save
We'll calculate your final score and apply it to your premium at completion of the program or at renewal (depending on your state).
We’re always by your side — offering real-time road intelligence and live data updates. We nudge you when you need it, provide you with detailed analytics and cheer you all the way to bankrolling lower premiums...
Discover how unique is you driving style
If your driving board's like your own personal racing track — then Andretti might have nothing on you as you charge towards first place. Go for the gold by showing your riding skills and your amaze progress.
Get real time insights
Want to play a little competition... with yourself? See if you can improve your own driving — when we share your driving score, based on how often we detect hard braking, sharp cornering, and phone distraction.
See the wheres and hows
See all your trips. We only count trips when you're the driver, and you can recategorize if necessary. Don't wait for the beggining of the year for those new year resolutions. Set those personal driving goals now.
We built Novo Drive to not only keep you safe but to make the roads safer for everyone. We reward you for safe driving behavior.
Check your driving score to learn safe driving habits and track distracted driving instances. Help control what you pay for auto insurance through your driving habits. Teen drivers? You can monitor their driving behaviors such as hard-braking and speeding.
FREQUENT QUESTIONS
01WHAT IS NOVO DRIVE - USAGE-BASED INSURANCE (UBI)
Typically, car insurance rates are based on a variety of factors related to your driving history. Novo Drive personalizes your insurance rate based on your actual driving behavior. The Novo Drive ("UBI") program utilizes Novo approved technology to obtain driving information including, but not limited to the time of day, speed at which the vehicle is operated, and mobile phone use. Driving information may be collected and provided to Novo through Novo's mobile app. At renewal, the rates provided in their insurance quote will take into account the driver’s driving behavior based on information collected during the prior 6-month period.
02HOW DO I KNOW I AM ELIGIBLE?
To be eligible to participate in the Novo Drive UBI program, the insured must: 1. Provide a valid email address; 2. Meet any vehicle technology and communication technology requirements; and 3. Meet other eligibility requirements as required by Novo guidelines.
03WHAT FACTORS ARE USED TO MEASURE MY DRIVING HABITS?
A lot of different factors influence a driver’s rate, including vehicle type, driving history, claims history, coverages and deductibles selected, and many others. We may also consider all the cars in your household as well as driving records of all household members, your insurance histories, previous claims, and more.
04WHAT HAPPENS WHEN I OPT IN?
Once you opt-in to the Novo Drive program, you will receive a welcome email, application, and information regarding your participation in the program. Novo Drive allows you to share information about your driving behavior with us. Our use of this information is described in the Telematics Policy.
05CAN I OPT-OUT OF THE PROGRAM DURING THE POLICY PERIOD?
Yes, you can. The primary insured may opt out of the program any time during the tenure of the policy.
06HOW DOES IT WORK FOR MULTIPLE VEHICLES OR DRIVERS?
Each driver on the policy downloads the mobile app on their smartphone. If two drivers from the household are in a car together (for example, husband and wife), the mobile app should be able to determine who is the driver and only collect trip data for that person. However, in the instance that the phone app registers the trip for both individuals, we provide the opportunity, in the app, to correct the trip information.
07DOES THE APP HAVE TO ALWAYS BE RUNNING IN THE BACKGROUND?
Yes. As long as the app is installed on your phone and your phone is on during trips, it collects your driving data.