What is Telematics?

Telematics is literally a combination of the words Telecommunications and Informatics. Telematics, in a broad sense, is any integrated use of telecommunications with information and communications technology. It is the technology of sending, receiving and storing information relating to remote objects, such as vehicles, via telecommunication devices. Basically, telematics is a crash-resistant black box that receives wireless information, information more advanced than broadcast radio, and does something useful with it. 

Selected insurance providers can now fit a telematic device into your car that measures how well you drive. By having the device installed in your car, it’s possible for you to prove that you drive safely. Your premiums are then based on how safe and conscientious a driver you are instead of paying for insurance based on the average driver. 

Who Benefits from Telematics? 

Telematics is great for anyone who wants to take control of their insurance costs. 

When it comes to car insurance, if you’re unlucky enough to fall into one of the high-risk groups, you’re likely to be looking at high premiums to insure your car. Telematics aims to help those who are classified as high-risk:  

  1. Inexperienced drivers.  
  2. Less frequent drivers with a low annual mileage. 
  3. Young drivers 

If you fall into one of these groups, telematics insurance could help you pay lower premiums. Although a telematics policy could potentially lead to savings for anyone who’s a good driver. 


Young Drivers & Telematics 

We’re all about encouraging safe driving, and with good reason – young, inexperienced drivers have more accidents. This is what makes insurance for young drivers more expensive. So, if we can help our community of young drivers stay safe on the road, we can reward them with savings on their auto insurance with Telematics. We’ll send you a Telematics Device for you to install in your vehicle – it’s quick and easy. The Telematics Device sends us information on how you’re driving, so we can treat you as an individual and reward you for driving well. TheTelematics Device you install in your vehicle records speed, acceleration, braking and cornering. We also collect data on your vehicle’s GPS location. Using the Telematics Device, we build up a picture of your driving style – including your speed, acceleration, braking and cornering. We review your billing 3 times a year based on how you’ve driven – so if you drive well, you’ll pay up to 25% less.  

Protect Your Car with Auto Insurance Made for Hamilton. 

At Acumen Insurance Group, we will help you pick the appropriate coverage for you. As an independent broker, we have access to a variety of insurance plans. With our selection, so you can find the insurance that is right for you. 


We know how to find the coverage that meets the varied requirements of high-risk groups. Let us help you design the insurance plan that is right for you. Call (905) 574-7000 to find out more information today.