Know what data is collected
Programs can monitor mileage, time of day, acceleration, braking or other driving characteristics.
Read privacy terms
Data handling and program withdrawal rules matter as much as the potential discount.
Do not assume every program only lowers rates
Program design differs and can change with regulatory approval.
Compare the base policy too
A telematics discount on a higher base premium may still cost more than another insurer.
Ontario-specific educational summary. Your actual rights and coverage come from the Insurance Act, regulations, the current Ontario Automobile Policy (OAP 1), your certificate, endorsements and the facts of the claim. Do not change coverage based only on a general web article.