Appi is Promutuel Insurance’s rewards program. It’s an app that analyzes your driving and gives you reward points you can redeem for e-gift cards for all sorts of businesses. Drive better, get more. It’s that easy! :)

To sign up for Appi, you must have a car insured with Promutuel Insurance. Not to worry—your premium will never increase because of the Appi program. You have nothing to lose and everything to gain: fun, rewards, and practical, insightful information to improve your driving!

Want to enjoy all the benefits of the Appi program? Sign up now by calling 1-877-668-8835.

You get practical and insightful information to help you become a better driver and earn e-gift cards for all sorts of retailers, hardware stores, department stores, gas stations, and more. So many great options, you’ll never get bored!

It’s an exclusive, 100% free program that gives you more. What have you got to lose? Start reaping the rewards! Sign up for Appi by calling 1-877-668-8835.

No. Appi is a rewards-only program!

It analyzes each of your trips, rewards you with points, and gives you practical and insightful driving information. It’s a great way to help you drive better and get rewarded in return! :)

Note that traffic violations, at-fault accidents, and other driving-related charges may increase your premium, whether you use Appi or not.

Anyone who wants to insure their car with Promutuel Insurance or who already has car insurance from Promutuel Insurance is eligible. Sign up today and start earning reward points toward gift cards!

Please note, however, that you must meet certain criteria. To learn more, read our answer to the question, “Am I eligible for Appi?”

You must meet certain conditions to sign up for Appi. You must:

• Be the primary driver of a passenger vehicle insured in Québec by Promutuel Insurance
• Have a valid email address
• Own a smartphone that meets the following criteria:
  • iPhone: Model with the iOS 13.0 operating system or later version
  • Android: Model with the Android 8.0 operating system or later version

You will also need to meet other program eligibility requirements. For more details, see the term of use.

No. Appi is 100% free!

You won’t have to pay anything to sign up, install the app on your smartphone, or activate your account. With Appi, you earn reward points toward gift cards instead! Don’t miss out!

Yes.

Since Appi is a mobile app, the primary driver of the vehicle must have a smartphone to take advantage of the program.

You need a smartphone that meets the following criteria to use the Appi app:
•    iPhone: Model with the iOS 13.0 operating system or later version
•    Android: Model with the Android 8.0 operating system or later version

Not necessarily.

Depending on the settings you choose, the information is uploaded to our systems at the end of each trip or as soon as you connect to a Wi-Fi network. You don’t have to have a data plan.

Every time you drive, Appi collects and analyzes different driving data to calculate your score:

• Speed (met or exceeded)
• Acceleration (smooth or sudden)
• Braking (soft or hard)
• Turns (smooth or sharp)
• Distracted driving (using your cellphone while stopped or moving)
• Travel times (night or day)
• Roads used (highways or secondary roads)

In addition to this driving data, Appi also records your mileage. However, distance travelled does not affect your driving score.

Note: When you first start, it takes a few days of driving with Appi for your score to stabilize.

For Appi, “excessive speed” starts at 11 km/h above the authorized limit. This margin was set to optimize use of the program and provide users with practical and insightful information to improve their driving habits.

The driving score calculation also takes into account how severe the speeding is, as well as the number of instances of excessive speeding in relation to the distance travelled.

Promutuel Insurance would like to remind you that speeding is one of the main causes of traffic accidents in Québec. So ease up on the gas pedal. You’ll help keep our roads safe and increase your score—and your Appi reward points!

For Appi, “sudden acceleration” is rapid acceleration of at least 8 km/h in less than 1 second.

The driving score calculation also takes into account how intense the recorded acceleration is, as well as the number of instances of sudden acceleration in relation to the distance travelled.

Promutuel Insurance would like to remind you that sudden acceleration significantly increases your chances of having an accident, so be careful and accelerate gradually. You’ll avoid accidents and increase your score—and your Appi reward points!

To detect a “sharp turn”, Appi analyzes the vehicle's angular speeds, that is, the angle of each turn combined, with the vehicule's speed, both at low and high speeds. Note that no turn can be considered “sharp” if it is less than 30 degrees or if the vehicle's speed is below 9 km/h.

Also keep in mind that the driving score calculation also takes into account how intense the recorded turn is, as well as the number of sharp turns in relation to the distance travelled.

Promutuel Insurance would like to remind you that sharp turns significantly increase your chances of having an accident, so be careful and take turns slowly. You’ll avoid accidents and increase your score — and your Appi reward points!

For Appi, “hard braking” is rapid vehicle deceleration where the speed decreases at least 8.1 km/h in a second.

The driving score calculation also takes into account how intense the recorded braking is, as well as the number of instances of hard braking in relation to the distance travelled.

Did you know? Hard braking is a very common cause of accidents. That’s why we encourage soft braking. Safe braking will also increase your score—and your Appi reward points. Think about it!

Of course, emergency braking is sometimes necessary to avoid an accident. Rest assured that Appi primarily considers your overall driving habits, i.e., how frequently you behave a certain way on the road. A single instance of emergency braking will not affect your score.

For Appi, “distracted driving” means using your cellphone while driving. 

Appi analyzes different distracted driving events and how long they last:

• Phone calls using the cellphone speaker
• Phone calls using the vehicle speaker or a Bluetooth device
• Handling the phone, such as sending texts or actively using an app

Appi also considers these behaviours to be distracted driving even when you’re stopped, but penalizes you less than when you’re moving. 

Be extra careful and don’t use your cellphone behind the wheel — even if you’re stopped!

No.

Appi primarily considers your overall driving habits, i.e., how frequently you behave a certain way on the road. A single instance of emergency braking or turning will not affect your overall score. Only the score for the trip in question will be affected.

At Promutuel Insurance, we know that emergency braking and turning is sometimes necessary to avoid an accident. We just hope you never have to perform such manoeuvres. Stay alert!

After each trip made, your data is analyzed and converted to a driving score. Depending on the setting you choose, it is processed at the end of the trip or when you connect to a Wi-Fi network.

To claim Appi rewards in the form of e-gift cards for many businesses, you must first sign up for the Appi program.

Once your account is activated in the Appi app, you can start earning reward points on your trips. And once you’ve racked up enough, you can choose from a selection of gift cards.

Want to enjoy all the benefits of the Appi program? Sign up now by calling 1-877-668-8835.

Appi reward points are calculated for each trip based on your driving score. The calculation looks at a number of dynamic factors, such as the weekly average scores of all Appi users. But, unlike the mileage reported on your car insurance policy, Appi doesn’t consider your distance travelled.

While reward points are estimated for each of your trips, they will update in your app once a week. In the Rewards tab, you’ll be able to view your new point total, along with details on the points earned per trip.

Appi reward points are calculated for each trip based on your driving score. The calculation looks at a number of dynamic factors, such as the weekly average scores of all Appi users. But, unlike the mileage reported on your car insurance policy, Appi doesn’t consider your distance travelled.

The math is simple: 1 Appi point = 1¢.

Watch your points pile up week after week. And the more points you earn, the more gift cards there are to choose from. Watch how fast they add up:

100 points = $1
1,000 points = $10
5,000 points = $50
10,000 points = $100

What are you waiting for?

You’ll need to earn at least 100 Appi reward points to get your first e-gift card.

The more points you earn, the more e-gift cards you can choose from. So use Appi however it works for you: Cash in your points for regular rewards or save up for something big!

No. The gift cards for participating businesses are electronic.

When you place your order, a card will be mailed to your home so you can walk into the store with it. So simple and convenient!

Once you have selected an e-gift card in your app, it will be emailed to you.

But don’t stop there: After you order a gift card, you can keep earning Appi points to get even more rewards. And if you have points left over after you order a card, they’ll stay in your Appi account.

No. You can get as many e-gift cards as your Appi reward points allow.

After ordering your first card, keep earning Appi points so you can get even more rewards. And if you have points left over after you order a card, they’ll stay in your Appi account.

Retailers, hardware stores, department stores, gas stations, and more. There are all sorts of businesses in the Appi program!

For each trip, Appi measures two things:

• Driving quality (braking, speed, acceleration, turns, and distracted driving)
• Driving conditions (travel time and type of roads)

This information is used to determine your driving score and your Appi reward points.

Yes.

The Appi application collects your driving data on every trip. That’s why you need to always have your cellphone when you drive.

Remember: Distracted driving is one of the leading causes of accidents. We recommend stowing your cellphone somewhere you can’t reach so you won’t be tempted to use it while driving.

To measure your driving habits, Appi records the following information:

• Speed (met or exceeded)
• Acceleration (smooth or sudden)
• Braking (soft or hard)
• Turns (smooth or sharp)
• Distracted driving (using your cellphone while stopped or moving)
• Travel times (night or day)
• Roads used (highways or secondary roads)

Don’t worry! Your data is used for one purpose only: to reward you.

Your information will never be used to influence a decision about a claim, your insurance renewal, or the cancellation of your policy.

Promutuel Insurance takes great care to respect your privacy. The information collected through the Appi program remains confidential and will not be disclosed to anyone.

Only our providers will have access to your driving data and certain personal information to offer and improve the Appi program.

All necessary measures are put in place to ensure the security of your personal information.

To find out more about how we protect your information, see the Terms of use and security sections.