At Allegory, data privacy and confidentiality come first. We never share or sell your information for marketing purposes. As an independent technology company, we only share information, such as your Driving Score, when you specifically give us consent. All of your data is stored in our secured servers, only accessible to company personnel responsible for server maintenance. For more information, you may refer to our Privacy Policy.
At Allegory, data privacy and confidentiality come first. We never share or sell your information for marketing purposes. As an independent technology company, we only share information, such as your Driving Score, when you specifically give us consent. All of your data is stored in our secured servers, only accessible to company personnel responsible for server maintenance. For more information, you may refer to our Privacy Policy.
At Allegory, we're working hard to bring the best experience and protection to your fingertips. While we don't offer car insurance at the moment, we plan to roll out it in early 2022.
At Allegory, we're working hard to bring the best experience and protection to your fingertips. While we don't offer car insurance at the moment, we plan to roll out it in early 2022.
Download the Allegory App from the Apple App Store or Google Play Store and follow the instructions to create and verify your account. We'll guide you clearly throughout your onboarding process as well as while you're using the app.
Download the Allegory App from the Apple App Store or Google Play Store and follow the instructions to create and verify your account. We'll guide you clearly throughout your onboarding process as well as while you're using the app.
We use four key components to calculate your Driving Score. These are:
You can also check our blog post to learn more about this.
We use four key components to calculate your Driving Score. These are:
You can also check our blog post to learn more about this.
Allegory is an insurance technology company that is democratizing the insurance industry by using artificial intelligence and behavioural science. With our novel Driving Score, drivers worldwide can prove that they are good drivers so that insurance companies can offer them better premiums. Similarly, Allegory gives insurers the tools to improve their existing insurance products or build entirely new ones with actuarial models that use behaviour and usage to price risk.
Allegory is an insurance technology company that is democratizing the insurance industry by using artificial intelligence and behavioural science. With our novel Driving Score, drivers worldwide can prove that they are good drivers so that insurance companies can offer them better premiums. Similarly, Allegory gives insurers the tools to improve their existing insurance products or build entirely new ones with actuarial models that use behaviour and usage to price risk.
Download the Allegory App from the Apple App Store or Google Play Store and follow the instructions to create and verify your account. We'll guide you clearly throughout your onboarding process as well as while you're using the app.
Download the Allegory App from the Apple App Store or Google Play Store and follow the instructions to create and verify your account. We'll guide you clearly throughout your onboarding process as well as while you're using the app.
You may receive a pop-up notification on your Apple device stating that Allegory has used your location several times in the background over the past few days. These notifications are standard and expected as Apple helps you protect your privacy. Rest assured, we collect your location data only when we detect a vehicular movement, and it is necessary for us to understand your driving behaviour and calculate your driving score. If you receive a notification similar to this, do not forget to press "Always Allow" in order to continue using our services without interruption.
You may receive a pop-up notification on your Apple device stating that Allegory has used your location several times in the background over the past few days. These notifications are standard and expected as Apple helps you protect your privacy. Rest assured, we collect your location data only when we detect a vehicular movement, and it is necessary for us to understand your driving behaviour and calculate your driving score. If you receive a notification similar to this, do not forget to press "Always Allow" in order to continue using our services without interruption.
We store your login details together with some other personal information such as your name, date of birth, profile picture and trip routes so we may calculate your scores and show them on the Allegory App. Allegory collects location data only when you drive, and under no circumstances does Allegory share this information with any third party.
We store your login details together with some other personal information such as your name, date of birth, profile picture and trip routes so we may calculate your scores and show them on the Allegory App. Allegory collects location data only when you drive, and under no circumstances does Allegory share this information with any third party.
Our app is currently available for iPhone devices that run IOS 10.0 or later, or Android devices that run version 9 or later.
Our app is currently available for iPhone devices that run IOS 10.0 or later, or Android devices that run version 9 or later.
The "How you drive" component is based on an assessment of how consistently and safely you drive. Some of the major factors we use to calculate this score are attentive driving, fatigued driving, acceleration, braking, cornering and speeding.
The "How you drive" component is based on an assessment of how consistently and safely you drive. Some of the major factors we use to calculate this score are attentive driving, fatigued driving, acceleration, braking, cornering and speeding.
While we're not offering micromobility insurance for your e-scooter, e-bike, or bicycle at the moment, we're working hard to bring it to life as soon as possible. In the meantime, you can leave your contact details via the Get a Quote button on the Micromobility page.
While we're not offering micromobility insurance for your e-scooter, e-bike, or bicycle at the moment, we're working hard to bring it to life as soon as possible. In the meantime, you can leave your contact details via the Get a Quote button on the Micromobility page.
You can download and use the Allegory App for free to build your personalized Driving Score in order to receive better auto insurance premiums from insurance companies. Like your credit score, but fair and transparent, we help you prove that you are a good driver. We help you improve your driving to avoid risks with Allegory Smart Coaching.
You can download and use the Allegory App for free to build your personalized Driving Score in order to receive better auto insurance premiums from insurance companies. Like your credit score, but fair and transparent, we help you prove that you are a good driver. We help you improve your driving to avoid risks with Allegory Smart Coaching.
We're currently not providing micromobility insurance. However, once ready, you will be able to buy your insurance through:
We're currently not providing micromobility insurance. However, once ready, you will be able to buy your insurance through:
The Allegory App comes with a wealth of free features for our users. However, you may also purchase some of the optional premium features, products, and coverage through the application.
The Allegory App comes with a wealth of free features for our users. However, you may also purchase some of the optional premium features, products, and coverage through the application.
The "How much you drive" component uses your actual driving distance, calculated from two sources. The first one is the GPS and the built-in odometer sensors in your mobile phone. The second one is the actual odometer reading from your vehicle. You may record this information from time to time via the My Vehicle section of the Profile page on the Allegory App.
The "How much you drive" component uses your actual driving distance, calculated from two sources. The first one is the GPS and the built-in odometer sensors in your mobile phone. The second one is the actual odometer reading from your vehicle. You may record this information from time to time via the My Vehicle section of the Profile page on the Allegory App.
You can think of it as similar to a credit score but instead of representing financial risk, it is a measure of your risk of getting into an accident. To build your Driving Score, Allegory only uses factors that truly impact your driving, such as how you drive, what you drive, where you drive and how much you drive. We are committed not to use any factors that have nothing to do with your driving, such as your age, gender or marital status.
You can think of it as similar to a credit score but instead of representing financial risk, it is a measure of your risk of getting into an accident. To build your Driving Score, Allegory only uses factors that truly impact your driving, such as how you drive, what you drive, where you drive and how much you drive. We are committed not to use any factors that have nothing to do with your driving, such as your age, gender or marital status.
We collect your location data only when you drive and use it for the following purposes:
We collect your location data only when you drive and use it for the following purposes:
If you can't remember your login details, please send an email to info@allegoryinsurance.com with your first and last name, as well as your verified mobile phone number. We will contact you shortly to confirm your identity and reset your account.
If you can't remember your login details, please send an email to info@allegoryinsurance.com with your first and last name, as well as your verified mobile phone number. We will contact you shortly to confirm your identity and reset your account.
Allegory is an independent insurance technology provider that supports the insurance industry to prevent accidents, bringing fairness to the industry in order to reduce premiums. Therefore, we will be only successful when all good drivers get the premium they deserve.
Allegory is an independent insurance technology provider that supports the insurance industry to prevent accidents, bringing fairness to the industry in order to reduce premiums. Therefore, we will be only successful when all good drivers get the premium they deserve.
Our information technology (IT) infrastructure follows the list of assurance programs below:
Our information technology (IT) infrastructure follows the list of assurance programs below:
Allegory is not providing insurance coverage yet. However, our goal is to help safe drivers earn up to a 70% discount on their car insurance premiums. While we get there, you can use the Allegory App for free to improve your driving to stay safe on the road.
Allegory is not providing insurance coverage yet. However, our goal is to help safe drivers earn up to a 70% discount on their car insurance premiums. While we get there, you can use the Allegory App for free to improve your driving to stay safe on the road.
We're using advanced driver-assistance systems (ADAS) features as well as the model year, make and model information that is specific to your vehicle while calculating the What You Drive component. To do so, you need to add your vehicle's VIN number to the My Vehicle section of the Profile page on the Allegory App.
We're using advanced driver-assistance systems (ADAS) features as well as the model year, make and model information that is specific to your vehicle while calculating the What You Drive component. To do so, you need to add your vehicle's VIN number to the My Vehicle section of the Profile page on the Allegory App.
Unlike the existing solutions in the market, our focus is to understand the risk holistically. This means that we evaluate what you drive and how much you drive beyond your overall driving behaviour. We also help you to reduce your accident risk with Allegory Smart Coaching, improving your Driving Score over time so you can also improve your premium.
Unlike the existing solutions in the market, our focus is to understand the risk holistically. This means that we evaluate what you drive and how much you drive beyond your overall driving behaviour. We also help you to reduce your accident risk with Allegory Smart Coaching, improving your Driving Score over time so you can also improve your premium.
There is always some room for savings! You can show your insurance company that you are a good driver with low mileage to get additional discounts on your premium. Plus, there is more benefit to using Allegory than building a Driving Score, as we keep it up to date as your driving behaviour changes or as your driving patterns change. If you start driving less, we can help you get an insurance premium to reflect that.
There is always some room for savings! You can show your insurance company that you are a good driver with low mileage to get additional discounts on your premium. Plus, there is more benefit to using Allegory than building a Driving Score, as we keep it up to date as your driving behaviour changes or as your driving patterns change. If you start driving less, we can help you get an insurance premium to reflect that.
Accident risk is strongly correlated with driving location; specifically, a relatively high proportion of all accidents occur in only a handful of locations. Depending on the frequency of accidents along the routes you usually drive, your accident risk can increase, impacting your Driving Score. Allegory can help you change your route to avoid relatively dangerous locations where feasible. As a side note, at no time is your precise driving location ever shared with a third party.
Accident risk is strongly correlated with driving location; specifically, a relatively high proportion of all accidents occur in only a handful of locations. Depending on the frequency of accidents along the routes you usually drive, your accident risk can increase, impacting your Driving Score. Allegory can help you change your route to avoid relatively dangerous locations where feasible. As a side note, at no time is your precise driving location ever shared with a third party.
If you can't remember your password, go to the sign-in screen and follow the steps displayed after clicking the "Forgot my password" button.
If you can't remember your password, go to the sign-in screen and follow the steps displayed after clicking the "Forgot my password" button.
We keep your personal data as long as provincial, and federal laws permit it or until you request deletion of your account from our servers.
We keep your personal data as long as provincial, and federal laws permit it or until you request deletion of your account from our servers.
Yes, they can. We highly recommend that you invite any driver who has access to your vehicle to download and use the Allegory App. This way, you can track the total mileage driven with your car and see how these other drivers are doing.
Yes, they can. We highly recommend that you invite any driver who has access to your vehicle to download and use the Allegory App. This way, you can track the total mileage driven with your car and see how these other drivers are doing.
We believe that insurance should be not about punishment but rather prevention and protection. If you maintain the same level of good driving with a consistent Driving Score, you shouldn't expect to see your insurance premium increased by your insurance company. However, we don't have any direct control over their final pricing decision. What's more, we will be there to guide you on how to save more on your insurance premium.
We believe that insurance should be not about punishment but rather prevention and protection. If you maintain the same level of good driving with a consistent Driving Score, you shouldn't expect to see your insurance premium increased by your insurance company. However, we don't have any direct control over their final pricing decision. What's more, we will be there to guide you on how to save more on your insurance premium.
No, we do not sell your data or record your activity beyond what is required to calculate your Driving Score. We are just a modern insurance technology company that strives to eliminate risks from your life and get you the best possible insurance premium.
No, we do not sell your data or record your activity beyond what is required to calculate your Driving Score. We are just a modern insurance technology company that strives to eliminate risks from your life and get you the best possible insurance premium.
Allegory Technology Inc. is a Canadian-controlled private corporation that is wholly owned by the current management team. Our management team has global experience in insurance, financial markets and engineering, who had previously worked at prominent organizations.
Allegory Technology Inc. is a Canadian-controlled private corporation that is wholly owned by the current management team. Our management team has global experience in insurance, financial markets and engineering, who had previously worked at prominent organizations.
Our scoring model considers your driving behaviour's overall consistency, so it will not penalize rare speeding events. However, regularly exceeding speed limits will negatively impact your Driving Score and may or may not affect your premium, which your current insurance company decides as Allegory does not yet provide insurance coverage. Rest assured, at no time is your driving information ever shared with a third party.
Our scoring model considers your driving behaviour's overall consistency, so it will not penalize rare speeding events. However, regularly exceeding speed limits will negatively impact your Driving Score and may or may not affect your premium, which your current insurance company decides as Allegory does not yet provide insurance coverage. Rest assured, at no time is your driving information ever shared with a third party.
Statistically speaking, demographics and driving records are secondary or tertiary factors when estimating a particular driver's accident risk, compared with primary risk factors such as how you drive, how much you drive, what you drive and where you drive. We are not interested in less accurate, potentially biased predictors, and hence we do not use any proxies like your age, gender or credit score.
Statistically speaking, demographics and driving records are secondary or tertiary factors when estimating a particular driver's accident risk, compared with primary risk factors such as how you drive, how much you drive, what you drive and where you drive. We are not interested in less accurate, potentially biased predictors, and hence we do not use any proxies like your age, gender or credit score.
Most traditional car insurance policies do not consider how much you drive when calculating your insurance premium. Although some companies ask for this information as part of their underwriting, the data provided by customers are typically not accurate. Even if you drive less than average, there is a good chance that you will pay the same premium as someone who drives three times more than you.
Most traditional car insurance policies do not consider how much you drive when calculating your insurance premium. Although some companies ask for this information as part of their underwriting, the data provided by customers are typically not accurate. Even if you drive less than average, there is a good chance that you will pay the same premium as someone who drives three times more than you.
No, you don't need an OBD2 or a black-box device to use the Allegory App or build your Driving Score.
No, you don't need an OBD2 or a black-box device to use the Allegory App or build your Driving Score.
Advanced driver-assistance systems (ADAS) such as forward-collision warning, or auto-brake while parking, is proved to reduce preventable accidents tremendously. However, the majority of the insurance industry does not factor in such variables while calculating your premium. At Allegory, we use both standard and optional features to calculate your Driving Score.
Advanced driver-assistance systems (ADAS) such as forward-collision warning, or auto-brake while parking, is proved to reduce preventable accidents tremendously. However, the majority of the insurance industry does not factor in such variables while calculating your premium. At Allegory, we use both standard and optional features to calculate your Driving Score.
Our head office address is Toronto Exchange Tower, 130 King Street West, Suite 1800, Toronto, ON M5X 2A2, Canada.
Our head office address is Toronto Exchange Tower, 130 King Street West, Suite 1800, Toronto, ON M5X 2A2, Canada.
We comply with all applicable legal requirements relating to data protection and privacy. We also follow strict internal rules governing data usage and storage. We do not sell your data to any third-party companies for marketing or other purposes. If you have any concerns about data privacy, please check our Privacy Notice or contact us at privacy@allegoryinsurance.com.
We comply with all applicable legal requirements relating to data protection and privacy. We also follow strict internal rules governing data usage and storage. We do not sell your data to any third-party companies for marketing or other purposes. If you have any concerns about data privacy, please check our Privacy Notice or contact us at privacy@allegoryinsurance.com.
The Allegory App will ask you to enable location (GPS), motion & fitness, and notifications during the registration process. You should set the usage of location and Motion & Fitness sensors to "Always." Otherwise, we will not be able to detect your trips hence you will not be able to utilize the app.
For IOS 13 and IOS 14:
As you drive, the iPhone system will raise location usage notification as part of their regular privacy check. You don't need to be worried about these notifications - we collect and process your location data as described in our Privacy Policy.
The Allegory App will ask you to enable location (GPS), motion & fitness, and notifications during the registration process. You should set the usage of location and Motion & Fitness sensors to "Always." Otherwise, we will not be able to detect your trips hence you will not be able to utilize the app.
For IOS 13 and IOS 14:
As you drive, the iPhone system will raise location usage notification as part of their regular privacy check. You don't need to be worried about these notifications - we collect and process your location data as described in our Privacy Policy.
While we believe that your postal code has nothing to do with how you drive your car--the most important part of your driving risk--some insurance companies do. However, it is fair to note that some auto insurance coverage, e.g. comprehensive coverage, need postal code information to identify fire or theft risk in your area to calculate an insurance premium.
While we believe that your postal code has nothing to do with how you drive your car--the most important part of your driving risk--some insurance companies do. However, it is fair to note that some auto insurance coverage, e.g. comprehensive coverage, need postal code information to identify fire or theft risk in your area to calculate an insurance premium.
You can get in touch with our team by sending an email to info@allegoryinsurance.com.
You can get in touch with our team by sending an email to info@allegoryinsurance.com.
Absolutely not. Your postal code has nothing to do with your driving.
Absolutely not. Your postal code has nothing to do with your driving.
Under no circumstances do we share your personal information with other individuals, enterprises or organizations (including public organizations and corporations) without your permission, unless applicable by law. The only exception is if we are compelled by a court order, we will share your information with government agencies.
Under no circumstances do we share your personal information with other individuals, enterprises or organizations (including public organizations and corporations) without your permission, unless applicable by law. The only exception is if we are compelled by a court order, we will share your information with government agencies.
The Allegory App runs in the background to detect any driving events automatically. Please don't forget to set the Allegory App's Location settings to "Always." Alternatively, you may start your trips manually by clicking on "Start Trip" button on the bottom navigation bar of the Allegory App. We highly recommend this novice drivers to help them focus on their driving without any distractions.
The Allegory App runs in the background to detect any driving events automatically. Please don't forget to set the Allegory App's Location settings to "Always." Alternatively, you may start your trips manually by clicking on "Start Trip" button on the bottom navigation bar of the Allegory App. We highly recommend this novice drivers to help them focus on their driving without any distractions.
We are not using your credit score to determine your Driving Score as it has nothing to do with your driving ability.
We are not using your credit score to determine your Driving Score as it has nothing to do with your driving ability.
If your mobile phone gets stolen, we urge you to contact us at privacy@allegoryinsurance.com as soon as possible. We will suspend your account immediately to prevent any unauthorized access to your data. Once you recover your phone or purchase a new one, you can download the Allegory app on your new device and log in to your account.
If your mobile phone gets stolen, we urge you to contact us at privacy@allegoryinsurance.com as soon as possible. We will suspend your account immediately to prevent any unauthorized access to your data. Once you recover your phone or purchase a new one, you can download the Allegory app on your new device and log in to your account.
Allegory is not an insurance company; using the app does not mean that you have insurance through us. If you are involved in an accident, please get in touch with your current insurance company immediately. If you need immediate assistance, please call 911 and notify emergency services.
Allegory is not an insurance company; using the app does not mean that you have insurance through us. If you are involved in an accident, please get in touch with your current insurance company immediately. If you need immediate assistance, please call 911 and notify emergency services.
Our job is to help you save on your car insurance premium. That's why we designed our entire product to help you to work towards safer driving. Although discount and surcharge rules may vary by province, state or country, our experience shows that most insurance companies worldwide tend to provide discounts for safe drivers. In the end, it is 100% your choice to be a safe driver in order to save more on your insurance. We are just here to help you drive safer!
Our job is to help you save on your car insurance premium. That's why we designed our entire product to help you to work towards safer driving. Although discount and surcharge rules may vary by province, state or country, our experience shows that most insurance companies worldwide tend to provide discounts for safe drivers. In the end, it is 100% your choice to be a safe driver in order to save more on your insurance. We are just here to help you drive safer!
If you wish to have your data deleted, please send an email to privacy@allegoryinsurance.com. You must send this email from your registered and verified email address and include your verified phone number. Once we receive your request, we will contact you to confirm your deletion request. Please be aware that this process is irreversible, and you will lose all your past trips and progress, including your Driving Score.
If you wish to have your data deleted, please send an email to privacy@allegoryinsurance.com. You must send this email from your registered and verified email address and include your verified phone number. Once we receive your request, we will contact you to confirm your deletion request. Please be aware that this process is irreversible, and you will lose all your past trips and progress, including your Driving Score.
Allegory counts any car journey that is more than 500 meters as a trip. We calculate the distance by using your mobile device's inertial odometer sensor and our proprietary algorithms.
Allegory counts any car journey that is more than 500 meters as a trip. We calculate the distance by using your mobile device's inertial odometer sensor and our proprietary algorithms.
Yes, you can. If you delete the Allegory app from your mobile phone, we will no longer record your driving behaviour. Once you are ready to resume, download our app again and log in to your account to retrieve all your previous trips and progress. However, please be aware that any interruption to regular app usage will impact your progress and may negatively affect your Driving Score.
Yes, you can. If you delete the Allegory app from your mobile phone, we will no longer record your driving behaviour. Once you are ready to resume, download our app again and log in to your account to retrieve all your previous trips and progress. However, please be aware that any interruption to regular app usage will impact your progress and may negatively affect your Driving Score.
Allegory helps you prove you are a good driver, and if you are, your Driving Score will reflect this. In the end, we are all human, and we sometimes make mistakes. So long as you sustain consistency in your safe driving effort, rarely exceeding the speed limit will not impact your overall score.
Allegory helps you prove you are a good driver, and if you are, your Driving Score will reflect this. In the end, we are all human, and we sometimes make mistakes. So long as you sustain consistency in your safe driving effort, rarely exceeding the speed limit will not impact your overall score.
Absolutely! Since our model uses distance as a part of your Driving Score, low mileage drivers can save extra on their insurance premiums.
Absolutely! Since our model uses distance as a part of your Driving Score, low mileage drivers can save extra on their insurance premiums.
We use a two-step approach in calculating your Driving Score. The first is building your initial Driving Score over the course of a few weeks, and the second is updating it once or twice a month, depending on your driving habits.
We use a two-step approach in calculating your Driving Score. The first is building your initial Driving Score over the course of a few weeks, and the second is updating it once or twice a month, depending on your driving habits.
The Allegory app works in the background and detects your trips automatically. We check whether your location and motion changes indicate that you have started driving, and if so, we start recording your trip. No data leaves your phone during this initial trip detection process. Still, to work reliably, the Allegory app needs to access your device's location and motion data at all times. Without these permissions, we cannot detect your trips and generate a reliable Driving Score.
The Allegory app works in the background and detects your trips automatically. We check whether your location and motion changes indicate that you have started driving, and if so, we start recording your trip. No data leaves your phone during this initial trip detection process. Still, to work reliably, the Allegory app needs to access your device's location and motion data at all times. Without these permissions, we cannot detect your trips and generate a reliable Driving Score.
Allegory does not pass your location data on to any third-party provider. As well as safeguarding your information, this allows us to lower our costs and maximize the benefits we can offer our customers.
Allegory does not pass your location data on to any third-party provider. As well as safeguarding your information, this allows us to lower our costs and maximize the benefits we can offer our customers.
Absolutely! Most Advanced Driver-Assistance Systems (ADAS) are proven to reduce accident risk or prevent some types of accidents entirely. Once you provide your vehicle's VIN (a 17-digit alphanumeric number) on the Allegory app, we can get all your car's standard safety features to determine your vehicle's safety score, part of our "what you drive" factor.
Absolutely! Most Advanced Driver-Assistance Systems (ADAS) are proven to reduce accident risk or prevent some types of accidents entirely. Once you provide your vehicle's VIN (a 17-digit alphanumeric number) on the Allegory app, we can get all your car's standard safety features to determine your vehicle's safety score, part of our "what you drive" factor.
Unfortunately, there is no global standard for what constitutes safe driving, even for behaviour-based insurance programs. However, certain behaviours have been proven statistically dangerous. For example:
Unfortunately, there is no global standard for what constitutes safe driving, even for behaviour-based insurance programs. However, certain behaviours have been proven statistically dangerous. For example:
With Allegory, our goal is to help you prevent the preventable. Therefore, we hope that you will never get involved in a car accident. However, in an accident, the surcharge decision is up to your current insurance company as Allegory does not provide insurance coverage yet.
With Allegory, our goal is to help you prevent the preventable. Therefore, we hope that you will never get involved in a car accident. However, in an accident, the surcharge decision is up to your current insurance company as Allegory does not provide insurance coverage yet.
Since your Driving Score considers your driving behaviour's overall consistency, we will not penalize you for rare acceleration and braking events.
Since your Driving Score considers your driving behaviour's overall consistency, we will not penalize you for rare acceleration and braking events.
Get the Allegory App to start your journey today.
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