Q&A about DSR

Last year I was placed at level +10 on the DSR scale, even though I had been driving safely for 11 to 14 years. Why?

Last year, you started at +10 because it was the highest place on the scale for your driving record at that time. This year, with four more levels added to the scale, your Driver Safety Rating will be automatically adjusted to the number of years (11 to 14) you had driven safely. Plus, if you drove safely with no accidents or convictions last year, you will move up another level on the scale.

Did I pay more last year because I was placed at level +10, even though I had been driving safely for 11 to 14 years?

No. Last year the maximum available discount was 25 per cent, which you received at level +10. This year, with the introduction of a new higher maximum discount of 33 per cent and targeted discounts for the safest drivers (Driver Safety Ratings between +10 and +15) you will receive a discount that matches your exact place on the scale.

How will an at-fault accident affect my Driver Safety Rating?

Each at-fault accident in the past year lowers your Driver Safety Rating by five levels.

How will traffic convictions affect my Driver Safety Rating?

It depends on how serious the conviction is. The more serious the conviction, the more you’ll move down the scale.

Here are some examples:

• Not obeying a traffic sign: two levels down the scale
• Impaired driving: 10 levels down the scale
• Speeding more than 49km over the limit: 10 levels down the scale
• Impaired driving causing death: 15 levels down the scale
• Leaving the scene of an accident: 10 levels down the scale

If I purchase a vehicle after my anniversary day, how will my vehicle premium discount be determined?

Your vehicle premium discount is determined by your Driver Safety Rating, which is based on your driving behaviour for the year prior to your anniversary day. Any at-fault claims or traffic convictions since your last anniversary day will not impact your Driver Safety Rating — or your vehicle premium discount — until your next anniversary day.