We very much value and respect your privacy. Please refer to Novo's Privacy Notice for additional details on information we collect as well as how we may use and share it.
You can call us at 1-866-862-7757, chat with us at www.novo.us (click the chat icon located at the bottom right corner), or email support@novo.us.
Novo's policies are underwritten by KnightBrook Insurance Company, which is rated A- (Excellent) by A.M. Best.
No, we require the vehicles to be registered and insured in the same state.
All drivers insured by Novo are required to possess a license which matches the state listed in their policy usually within several weeks after purchase. The time period can vary by state, and you may contact us for that which is specific to your policy. Failure to adhere to our licensing requirements will leave your policy subject to cancellation.
If you move to another state where Novo is available, you will be able to maintain coverage with Novo. However, a change of address could impact your rate since location is one of the factors used to determine the price you pay. You can call us at 1-866-862-7757 to update your address.
We're working hard to quickly expand state availability. Be the first to know when we've made it to your area by joining our waitlist to learn of updates. Just enter your information on the first page of our quoting experience, click "next," and follow the instructions to be added.
Novo is currently available in the state of Arizona with plans to roll out across the country.
Novo offers personal auto insurance with 3 different pricing plans (see "What insurance plans does Novo offer?").
You get a quote and purchase a policy entirely online at quote.novo.us or contact us at 1-866-862-7757 and one of our amazing licensed agents will guide you. You can also write to support@novo.us and we will quickly get in touch with you.
Novo's main location is in Lehi, UT and we have team members across the country. If you need to reach us by mail, please send to: Novo Insurance, 1881 W Traverse Pkway, Ste E #613, Lehi, UT 84043
Novo is open Monday-Friday from 8am-4pm MST. If you call outside these hours, please leave a voicemail or email support@novo.us and we will quickly get back to you.
Novo is redefining the car insurance experience — giving drivers back control of their rates with dynamic monthly pricing. Because in a digital age where it's possible to know exactly how everyone drives, it's also possible to offer insurance to people who drive safely — with prices up to 40% less.
Novo keeps a percentage of the premiums we collect and pass along to our underwriting partner. This helps to pay for our expenses, invest in improving products for policyholders, and offer a delightful experience to all those who interact with us.
Novo offers competitive pricing for all our auto insurance plans. The greatest opportunity for savings comes from our dynamic premium option where your rate changes monthly based on your own driving behavior (see "What is the Flex plan?"). Instead of waiting 6 months to see your driving ability reflected in your price, you can start saving in a fraction of the time by maintaining safe habits while behind the wheel. Get a quote and sign up for a policy online at quote.novo.us or over the phone at 1-866-862-7757.
Insurance coverages are provided by KnightBrook Insurance Company, rated A- (Excellent) by A.M. Best.
Novo is a subsidiary of Telenav, one of the world's largest providers of connected car software and the leading navigation engine supplier to automotive manufacturers in North America. Innovating and changing the world is what has always driven us, and we've won J.D. Power awards for compelling consumer experiences for 5 years in a row. Our company has been at the forefront of delivering navigation and location-based services since our founding in 1999. We were the first to introduce them for mobile devices over 20 years ago and we've brought that same pioneering spirit to the insurance industry. Novo is structured as a managing general underwriter (MGU) which writes business on behalf of our partner underwriting company.
Your insurance ID card is the most important auto insurance document to keep in your car. Not all states accept digital ID cards, so we recommend also keeping a printed copy.
View them by logging in to your account, either on our website or through the Novo app.
View them by logging in to your account, either on our website or through the Novo app.
There are many reasons why your rate could go up or down at renewal, including broader insurance market changes or factors unique to you such as accidents, traffic violations, or discount eligibility changes.
If you choose not to renew your policy, you should call one of our customer service reps at 1-866-862-7757 or email support@novo.us before the renewal date.
Novo may decline to renew coverage for certain policies for reasons including DUIs, traffic violations, or missed payments. Novo will provide notice at least 45 days in advance of your policy’s expiration.
Your renewal will seamlessly take effect once the first payment is processed successfully, with no lapse in coverage.
These will be sent via email but both current and past renewal documents can also be accessed within the Novo mobile app.
Novo’s policies have a term of 6 months. Novo will send an email about your upcoming renewal at least 30 days in advance and it will automatically renew as long as you continue making your premium payment.
Novo does not charge any fees. However, there may be state-mandated fees such as Arizona’s Automobile Theft Authority fee of $0.50 per 6-month policy term per vehicle.
You can log in to your account within the Novo app to see your past premium payments.
Once a cancellation is initiated, any payment owed by us is usually received within 3-5 days.
You will receive a refund for the unearned premium — the portion of the payment for coverage we did not provide.
If your policy is still within the reinstatement period, you must pay all premium due within our mobile app or by calling one of our customer service reps at 1-866-862-7757. You will also be required to submit a statement of no loss.
A notice of cancellation (NOC) is a document that an insurer will mail to you if your payment is not received by the due date, warning of the date your policy will cancel unless you make the required premium payment.
There is no late payment fee at this time, but we encourage you to pay by your premium due date to reduce the risk of policy cancellation.
Grace periods before cancellations can vary by state but will be a minimum of 7 days. We will send a reminder email if your payment is late, and you should pay the outstanding balance as quickly as possible.
A missed or late payment can result in a lapse in coverage or the cancellation of your policy. We will send a late payment reminder email first. Please call one of our customer service reps at 1-866-862-7757 in advance if you know you’re going to have an issue with your next payment.
A successful payment should be reflected immediately. If you refresh the page and do not see the payment reflected, you should reach out to a customer service rep for further investigation.
We will provide a confirmation email that the payment was successful or that there was an issue withdrawing funds from your payment method on file.
You can call one of our customer service reps at 1-866-862-7757 to process a transaction with a payment method that you do not want saved on file for future payments.
You can change it within the Novo mobile app or by calling one of our customer service reps at 1-866-862-7757.
No, you will be charged each month when your premium is due. Novo does not offer a pay-in-full option at this time.
If you need to change your due date to avoid failed payments, you can call one of our customer service reps to have it adjusted.
Novo’s standard payment interval is once per month on your premium due date. We will process your first payment on the date you purchase the policy, then automatically each month thereafter.
Yes, you can make a payment at any time within the mobile app once your invoice is available.
A customer service rep can take a partial payment amount, but only if it is prior to the premium due date. If the request is on the premium due date or later, we are required to collect the full payment.
You may call one of our customer service reps if you’d like to split your premium with 2 different forms of payment. However, if one of the payments is declined and the premium due is not collected in full, your policy may be subject to cancellation.
Novo accepts all major debit and credit cards including Visa, Mastercard, American Express and Discover. Gift cards and prepaid cards cannot be used for any payments.
At this time, all policyholders are required to be enrolled in autopay.
Novo sets each policy to autopay by default. Your payment will be automatically scheduled and withdrawn on your due date.
Novo is paperless by default in Arizona.
You can pay online through the Novo app on your smartphone or by calling one of our customer service reps at 1-866-862-7757.
You will be notified of your upcoming premium payment at least 30 days in advance of the due date.
Novo is paperless and sends a billing notification via email each month. You can also log in to your account on our website or download the Novo app to see your next premium payment.
You are able to choose when your policy starts up to 14 days in advance. The soonest you can select a Novo policy to become effective is the day following purchase. Your first month’s premium is due at time of purchase.
If you’re traveling within the United States or Canada, coverage from your auto policy generally extends to a rental car. For areas outside the U.S. and Canada, your coverage may not apply.
It is recommended that you purchase the optional collision damage waiver coverage from the rental company if you are renting a moving truck. Your collision and comprehensive coverage may not transfer to a non-owned moving truck.
Comprehensive and collision each provide up to $1,000 of coverage for custom parts and equipment. If you want more than $1,000 of protection, you may add it while quoting and purchasing a policy.
An SR-22 is a form to prove that you have auto insurance meeting state minimums. Novo is not able to offer SR-22s at time of purchase, but existing policyholders can contact a customer service rep for assistance.
Unfortunately, Novo does not offer roadside assistance at this time, and you will have to purchase it standalone from another provider if you desire it.
Yes, we do offer $0 deductible glass as an optional coverage. Availability may vary by state.
Yes, Novo does not offer any coverage below the state minimum for the state you purchase coverage for.
“Full coverage” is an informal term which typically means that the policy has liability coverage plus comprehensive and collision. It’s often required when financing or leasing a vehicle.
Selecting the right coverage depends on your budget and desired level of protection. Novo does not offer any coverage below the state minimum. You can call 1-866-862-7757 to speak to one of our licensed agents if you need help with your coverage selections.
A deductible is the amount of money that you pay out of pocket due to a covered loss before your insurance coverage pays. A lower deductible means less out of pocket if an incident occurs, but slightly higher premiums. A higher deductible saves on premiums but means a larger out-of-pocket cost when filing a claim.
A limit is the maximum amount listed in your policy that your insurance will cover in the event of a claim. If a claim exceeds the limit, the policyholder will likely be responsible for any remaining costs.
We offer loan-lease payoff which is similar to guaranteed asset protection (GAP). It is an optional coverage for newer cars that pays for the difference between the amount you owe on your loan or lease and the value of your vehicle in the event that it is totaled or stolen.
While your options for insurance coverage may vary by state, the ones we currently or plan to offer in the future include:
Bodily Injury Liability — This covers the costs related to injuries to other drivers and their passengers in an accident you caused while you were driving. It pays for their medical care, loss of income, funeral costs, and additional expenses. Coverage can also pay for a legal defense if you're sued for causing those injuries. It is not intended to cover injuries to you as the policyholder.
Property Damage Liability — This coverage pays for property damage that you cause to other vehicles and/or property (like a building or fence) while you are driving. It can also pay for a legal defense if you’re sued for causing the accident.
Collision — This protects against damage to your vehicle caused by it hitting another vehicle or stationary object, such as a wall.
Comprehensive — This covers your vehicle for damage caused by something other than a collision such as hail, a branch falling on your car, or vandalism. It also would include repair or replacement of the windshield and other glass.
Medical Payments (MedPay) or Personal Injury Protection (PIP) — This pays for you and passengers in your vehicle who need medical treatment or have funeral costs after a collision regardless of who is at fault. It also protects you as a pedestrian if hit by a driver. PIP may include some additional benefits like coverage for lost wages and household services during the recovery process.
Rental — This will pay for a rental vehicle if yours is either inoperable or in the shop undergoing repairs after a covered loss such as a collision. It does not apply to mechanical breakdowns or your vehicle being unavailable due to servicing.
Uninsured Motorist (UM) and Underinsured Motorist (UIM) — These coverages pay for the medical expenses of you and any passengers after an accident when injuries are caused by another party who is either uninsured or doesn't have adequate insurance to cover the costs. They can also cover damage to your vehicle.
Loan-Lease Payoff — This helps to pay off your auto loan or lease if your vehicle gets totaled or stolen and you owe more than its actual cash value. It will not cover the entire amount owed in all cases.
Coverages must be selected and premium paid to be applicable to your policy.
A change of address could impact your rate since location is one of the factors used to determine the price you pay. You can contact us to update your address. In-state moves should not be a problem, though out-of-state moves could be impacted by whether Novo offers coverage in that state.
Generally speaking, the insurance coverage follows the vehicle. If you were to have an accident while driving someone else's car, then the owner’s insurance would typically apply toward any damages first. In the event that the vehicle owner had no auto insurance or did not have enough auto insurance to pay the damages, then your policy may apply for the remaining damages. However, there are some exclusions when driving a vehicle not listed in your policy which you should refer to for additional details (see "How can I access and view all my insurance documents?").
Generally, you do not need to let your lienholder know that you’ve switched insurance companies unless you receive a communication from them. Novo will report your coverage once it begins, lapses, reinstates, renews, changes, or cancels on your behalf. This means that you at least need to let us know who the lienholder is.
In most states, proof of insurance will be required to legally drive your new car. If you already have an active policy, you can add it to your existing one. If you don't have a policy, you will need to purchase one. However, the soonest you can set a Novo policy to be effective is the following day, so you will have to purchase it at least 1 day in advance of driving the new vehicle.
We offer loan-lease payoff which is similar to guaranteed asset protection (GAP). It is an optional coverage for newer cars that pays for the difference between the amount you owe on your loan or lease and the value of your vehicle in the event that it is totaled or stolen.
While your options for insurance coverage may vary by state, the ones we currently or plan to offer include: Bodily Injury Liability, Property Damage Liability, Collision, Comprehensive, Medical Payments (MedPay) or Personal Injury Protection (PIP), Rental, Uninsured/Underinsured Motorist (UM/UIM), and Loan-Lease Payoff.
A change of address could impact your rate since location is one of the factors used to determine the price you pay. You can contact us to update your address.
Generally speaking, the insurance coverage follows the vehicle. If you were to have an accident while driving someone else's car, then the owner's insurance would typically apply toward any damages first.
Your Novo policy covers anyone listed in your policy as a primary driver and any additional drivers who have your permission to very occasionally operate your insured vehicle, including those outside your household.
Only the primary named insured (PNI) and any applicable spouse of the PNI can make changes to the policy. If terminating coverage, the PNI must be the one making the request.
Policy changes can be made effective on the date requested, including the same day for some.
Any changes to your policy could increase or decrease your rate. This may include changes to coverages, deductibles, drivers, vehicles, and your address, among others.
To make changes to the lienholder listed in your policy, you can call us at 1-866-862-7757, chat with us at www.novo.us, or email support@novo.us.
To make changes to the vehicles listed in your policy, you can call us at 1-866-862-7757, chat with us at www.novo.us, or email us at support@novo.us.
To make changes to the drivers listed in your policy, you can call us at 1-866-862-7757, chat with us at www.novo.us, or email us at support@novo.us.
Yes, we do insure teenagers if they are legally able to drive with a valid driver's license or learner's permit. However, they must be on their parents' policy if they are under the age of 18.
No, they can be listed in your same policy as you, along with other members of your household.
The primary named insured (PNI), also known as the first named insured, is the first person listed on an insurance policy's declarations page. The primary named insured is the policyholder and the one who is primarily responsible for the policy financially.
An excluded driver is a person who has been explicitly excluded from coverage in the policy. If this uncovered person is driving any covered vehicle, we will not be responsible for any damages or liability in the event of a collision.
You, your spouse, and all resident relatives of driving age or older, all regular drivers of the vehicles, and all children who live away from home who drive the vehicle should be included.
Your policy covers all listed drivers and vehicles, and up to 6 of each may be added. You are required to include all members of your household with a valid and active driver's license or permit who will be driving the vehicle.
Yes, you are able to adjust your coverage, limit, and deductible selections in our quoting experience before purchasing a policy. These options will vary by state. If you need to make an adjustment after buying a policy, please contact us for assistance.
An endorsement, also called a rider, is a document that can be added to an insurance policy to make changes. They are used to include, exclude, or modify coverage to better meet your needs.
While coverage will vary depending on your selections since some are optional, Novo's auto policy can cover damage to your vehicle and also protect you financially if you damage someone else's vehicle or property. Additionally, it can pay for medical bills if you, your passenger, or those in another vehicle were injured.
You can call us at 1-866-862-7757. Some changes can also be made within the Novo mobile app.
You can call us at 1-866-862-7757. Some changes can also be made within the Novo mobile app.
You can call us at 1-866-862-7757, chat with us at www.novo.us, or email support@novo.us. Some changes can also be made within the Novo mobile app.
Most lienholders will accept a policy declarations page as sufficient for proof of coverage. The declarations page displays the type of coverage that you have on the policy along with the vehicles, drivers, and lienholder info.
Generally, you do not need to let your lienholder know that you've switched insurance companies unless you receive a communication from them. Novo will report your coverage once it begins, lapses, reinstates, renews, changes, or cancels on your behalf.
A lienholder is any entity that holds a legal interest in the vehicle until its loan is fully paid off. This may be a financial institution such as a bank or credit union, the financing branch of the manufacturer, or some other third party.
No, you will need to contact your previous insurer to cancel any active policy with them so that you are not double paying for coverage.
Your cancellation can be made effective on the same day or scheduled for a later date of your choosing.
Novo policies can't be canceled online, but you may cancel it over the phone at 1-866-862-7757, via email at support@novo.us, or by mail.
Yes, you are able to switch insurers at any time, even if you just renewed your policy with another insurance company, although it could be subject to a small cancellation fee from them.
No, it won't affect your credit score. It is a "soft pull" which is a review of your credit file that is only visible to you and not lenders.
Certain types of claims or frequently filing them within a short period could impact your price at renewal. Claims history is one of the many factors used in calculating your rate.
While it may vary by state, Novo has at least 60 days to review your application and make any appropriate adjustments based on our underwriting review. This could result in a request for additional documentation from the policyholder and/or changes to the premium amount.
The soonest you can request a Novo policy to become effective is the day following the purchase date.
There are several factors which may cause your quoted premium to differ from the amount at purchase. It's possible that self-reported information in the quoting process did not match third-party reports that we pull prior to sale, requiring an adjustment to the final premium amount.
Your quoted premium should be accurate at the time of the quote (if all requested information was accurately entered). While it is unlikely that your rate will change within a few days, we do periodically file rate increases and decreases as well as make improvements to our pricing model on a state-by-state basis.
In most states, proof of insurance will be required to legally drive your new car. If you already have an active policy, you can add it to your existing one. If you don't have a policy, you will need to purchase one. However, the soonest you can set a Novo policy to be effective is the following day, so you will have to purchase it at least 1 day in advance of driving the new vehicle.
No, you can have up to 6 drivers and 4 vehicles on a given policy. Up to 2 drivers from your household may be excluded in the policy.
You can call 1-866-862-7757 to speak to one of our licensed agents.
Only you, Novo, Novo’s underwriter partners, and the vehicle’s manufacturer should have access to any data that could be connected to you.
Yes, anyone listed in the policy can view the Safety Score(s) once logged in to the Novo mobile app.
Let us know right away if you sell a vehicle associated with your policy. Once removed, the next driver’s behaviors will not impact your Safety Score or pricing.
Your Safety Score is vehicle-specific. Each vehicle on your policy has its own Safety Score, and for select Novo plans, each impacts its associated vehicle’s premium. Both are combined to calculate your total premium.
If you already established a Safety Score, we continue using your most recent score. If you haven’t established one yet, a default score for insufficient data will be used.
For mobile-phone-based data collection, a trip may not be included in your Safety Score if connectivity is lost. For connected vehicles, data is still collected but may be delayed until connectivity is restored.
While the Safety Score is an input for some Novo plans, many other factors determine your policy price. For Flex plan policyholders, the Safety Score is the only factor that can cause monthly premium changes within a given policy term (absent other policy changes).
It is not possible to determine your exact premium change from the score alone. However, you can use the rate simulator within the Novo mobile app to estimate how your premium will change if your Safety Score moves up or down.
We update the score as frequently as we receive data from your vehicle or mobile phone, usually at least daily.
For the Flex plan, your Safety Score resets at the end of each monthly billing cycle. For Classic and Next plans, it resets approximately 1 month before the end of your 6-month policy term.
Data is tied to the vehicle listed in your policy, so only trips taken by that vehicle are incorporated. Note that the Safety Score may include trips from all drivers of the vehicle, so be mindful of who drives your car.
Reduce hard braking, rapid acceleration, and speeding. We also offer in-app coaching tips to help you improve your score and save more money.
Your Safety Score won’t display in the mobile app until you’ve completed a minimum of 5 trips with 200 total miles. After a reset, you’ll need to complete a minimum of 5 trips with 100 total miles before the score displays again.
Novo collects information that varies by vehicle make, model, and year. It may include latitude, longitude, timestamp, trip start/end location, and odometer. You may view our Telematics Privacy Notice for additional details.
We consider 3 factors per mile driven: hard braking (decelerating more than 8 mph/second), rapid acceleration (over 7 mph/second), and high speed (above 80 mph).
Novo’s Safety Score measures your driving performance based on how safely you drive. Risky events—like hard braking or speeding—can lower your score, while safe trips help improve it. For select Novo plans, your Safety Score helps determine how much you pay for insurance.
All of Novo’s plans are currently available in the state of Arizona and will be rolling out across the country soon.
The ADEPT Driver training program is an online accident prevention course. Drivers who complete it may qualify for a discount of up to 10% off their rate. Email us your certificate of completion and we’ll apply the discount.
Novo offers a variety of competitive discounts including Advance Shop Days, Distant Student, Good Student, Teen Driver, Driver Training, Homeowner/Mobile Homeowner, Multi Car, 3-Year Safe Driving, Continuous Insurance, and others depending on your plan.
Novo’s personal auto policy isn’t designed for commercial or business use. Using your vehicle for rideshare apps like Uber or Lyft, car sharing marketplaces like Turo, or food delivery services like DoorDash requires additional coverage that Novo does not offer. Vehicles used for commercial purposes are ineligible for coverage at policy purchase.
Novo does not offer coverage for commercial vehicles, motorcycles, or exotic/classic/antique/RV/offroad vehicles. Restrictions may also apply if you are not the registered owner, have a high-value or modified vehicle, a salvage title, or a recent claim on the vehicle. Contact us to add your vehicle and get help with any questions.
You can have up to 6 drivers and 4 vehicles on a single policy. Up to 2 drivers from your household may be excluded.
Novo’s standard policy term is 6 months and will automatically renew unless canceled. We do not offer 1-year policy terms.
Novo’s Flex plan typically offers the greatest savings potential since premiums reflect your actual driving via your Safety Score. You can also lower premiums by reducing coverage amounts or increasing your deductible, though this may increase financial risk.
Many factors are used to calculate your policy premium, including age, driving experience, driving record, location, financial responsibility score, vehicle type, coverage levels, deductibles, applicable discounts, and more. With select Novo plans, the Safety Score is also a key input.
A new phone won’t require relinking your vehicle as long as it’s paired via Bluetooth. If you add a new vehicle to your policy, you’ll be prompted to link it through the app.
You have 4 weeks after your policy becomes effective to link your vehicle(s). If you don’t link within that timeframe, you may lose policy discounts associated with your insurance plan.
No, Novo does not require a paid connected services subscription. We can obtain your driving data from your vehicle without an additional charge, or in combination with your mobile phone. Standard mobile data rates may apply.
No additional action is needed for most 2021+ Alfa Romeo, Chrysler, Dodge, Fiat, Jeep, and Ram vehicles. All other vehicles will require setup through the Novo mobile app, which will walk you through the process when first opened.
Sometimes Novo may ask for vehicle photos during the underwriting review period. This confirms no existing damage when your policy starts and can speed up the claims process. If needed, we’ll send clear instructions on how to submit them.
No, Novo does not offer non-owner policies. Novo requires at least one vehicle on the policy.
No, Novo only offers personal auto insurance. Policies are not designed for commercial vehicles or those used for business purposes.
No, Novo does not offer coverage for trailers.
No, Novo does not offer coverage for motorcycles.
No, Novo’s personal auto policy is designed for private passenger vehicles, excluding exotic, classic, antique, recreational (RV), and offroad vehicles.
Your VIN is typically found on the dashboard near the windshield on the driver’s side, or on a plate/sticker in the driver’s side door jamb. It also appears on your insurance card, title, and registration.
You must have one Bluetooth-equipped vehicle to enroll in our plans. Additional non-Bluetooth vehicles can still be covered but won’t have a Safety Score or associated discounts. Contact us at 1-866-862-7757 with any eligibility questions.
To enroll in our Next, Flex, or Classic plans, you must have at least one vehicle equipped with Bluetooth. All vehicles must have a gross vehicle weight rating (GVWR) under 12,000 lbs. We’ll check your VIN during the quoting process to confirm compatibility.
Your premium can change immediately after a policy update (such as adding a vehicle or driver), monthly if you’re on the Flex plan based on your Safety Score, or at renewal based on state rate changes.
Yes, you can switch insurance plans at renewal. Please call us at 1-866-862-7757, chat at www.novo.us, or email support@novo.us to change your plan.
After you purchase a policy, the premium for the first 2 months will be locked in. After 5 eligible trips, Novo will use your driving behavior to calculate your Safety Score. Month 3 is the first month impacted by changes in your Safety Score. There is always a 2-month gap between the Safety Score and the premium associated with it, so you will have at least 30 days’ notice of any premium change.
Novo’s Flex plan offers the highest potential savings with premiums that change month to month based on your actual driving behavior and Safety Score. The higher your Safety Score each month, the lower your monthly rate will be.
Novo’s Next plan offers fixed monthly premiums with a personalized rate at renewal based on your actual driving. The safer you drive—as measured by your Safety Score—the more you can save. Your cumulative Safety Score will determine your renewal price and then reset for the next period.
Novo’s Classic plan is our more traditional insurance policy. It comes with an automatic 10% discount for sharing driving behavior so we can provide insights and safety tips. However, driving data has no impact on your rate — your Safety Score is for educational purposes only.
Usage-based insurance (UBI) is a type of auto insurance where your premium is based on how, how much, or how safely you drive—rather than solely on traditional factors like age, location, or driving history. UBI is powered by telematics technology, which tracks your driving behavior through a mobile app or directly from your connected vehicle.
If you need assistance with the test drive program, you can contact our customer support team through the app or by visiting our website. For technical issues with the app, try restarting the application first. For questions about your driving data, quotes, or the transition to a full policy, our customer support is available to help. We also provide email communications at key points in the process to guide you through each step.
Unfortunately, Bluetooth connectivity is required for the test drive to function properly. If your phone doesn't support Bluetooth or you're experiencing persistent connectivity issues, you may not be able to participate in the program. We recommend ensuring your phone and vehicle both support Bluetooth connectivity before starting the program. If you continue to have technical difficulties, our support team can help troubleshoot or suggest alternative options.
Bluetooth should remain enabled on your phone for the app to properly track your trips. The app uses Bluetooth to detect when you're driving the registered vehicle and to collect trip data. Turning off Bluetooth will prevent the app from recording your trips, which could affect your ability to reach the minimum requirements for a Safety Score and quote.
If you encounter difficulties during setup, first ensure your phone's operating system is up to date and that you have a stable internet connection. Try restarting the app and your phone. Make sure you've enabled all requested permissions. If problems persist, you can contact our customer support team for personalized assistance with the setup process.
Driving data typically updates within a few minutes to a few hours after completing a trip. The app needs time to process and validate your trip data to ensure accuracy. If you notice delays longer than expected, check your Bluetooth connection and ensure the app has the necessary permissions. Your trip history and Safety Score are updated regularly, but not necessarily immediately after a trip ends.
First, ensure that Bluetooth is enabled on your phone and that you're connected to your vehicle. Check that location services are enabled for the Novo app. Make sure you're driving the vehicle that's registered in your test drive account. If you're still having issues, try restarting the app or your phone. Remember that it may take a few minutes after completing a trip for it to appear in the app.
After becoming a policyholder, you can still receive referral rewards from previously referred users (within the limit) but cannot send new referrals. These rewards will be sent via email.
After becoming a Novo policyholder, you are still eligible to earn rewards from the referrals you made before becoming a policyholder. However, you will not be able to redeem gift cards from the app. Any remaining Amazon gift card balance will be sent via email within 24 hours after policy purchase.
Users can redeem their Amazon gift card reward directly in the mobile app if eligible. It will allow you to add the balance to your Amazon account. You may also request to have a redemption link emailed to your registered address.
If you do not already have the referral code, you will need to reach out to your friend or family member and obtain it to enter manually.
We highly recommend downloading the app via the unique link. This guarantees that we are able to correctly link the accounts and track reward eligibility. However, you may also enter the referral code manually during the account sign up process to claim the reward.
Novo's mobile app notifies both the referrer and referee when the reward is granted. Please make sure to allow push notifications in order to see when your reward is available.
Any number of people may register using a referral code, but only the first 10 who obtain a Safety Score will qualify for the reward.
A referrer can earn referral rewards for up to 10 successful referees who achieve a Safety Score. Beyond that, you can still refer additional friends or family but will not be eligible for a reward.
Both the referrer and the referee receive a $10 Amazon gift card once they both have a Safety Score ready. This reward is only available if both are Arizona residents.
No. Referral, points, and rewards features are only available to users who are in Arizona. If a friend registers from outside Arizona, neither party will see or receive referral rewards.
Users can send referrals as soon as their Safety Score is ready in the app after their driving test.
Users registered for Novo's Test Drive can send a referral message using the app's sharing feature, which allows sending referrals through SMS, WhatsApp, Messenger, Facebook, Instagram, and other platforms. The app generates a unique referral link for easy sharing, so the new user does not need to enter a referral code manually.
Your test drive Safety Score directly impacts your insurance rate. The score you achieve during the trial period will be used to calculate your premium for the first 2 months of coverage with the Flex plan or 6 months with the Next plan (see "What insurance plans does Novo offer?"). After that, your ongoing driving performance will continue to influence your rate. This means the safe driving habits you develop during the test drive can lead to long-term savings.
Yes! Your account will automatically transition to include all policyholder features including policy details, billing, payment options, customer support, and continued Safety Score tracking.
Your trip history from the most recent 30 days of your test drive will carry over to your policyholder account. Your Safety Score from the test drive will be used for your enrollment rate.
Coverage begins on the effective date you select during purchase. You can choose the following day or another future date. Once you complete your purchase, you’ll receive confirmation with your policy details and effective date.
The test drive is limited to 1 vehicle and 1 driver, but you can add more during the quoting process or after purchase by contacting customer support. Additional vehicles and drivers will be rated per our standard pricing methodology.
Yes, during the quoting process you can review and modify coverage options, add additional drivers or vehicles, and make other changes. Your Safety Score will still be used to determine your premium.
Tap the quote button in the app to start the web-based quoting process. Your driving data and Safety Score will automatically carry over so you get the rate you earned.
Your test drive quote is an estimate based on certain assumptions. Your final rate may vary when you complete the full quoting process with more detailed information. Your actual Safety Score from the test drive will be used in your final rate calculation.
Test drive data will be used to provide a quote for either our Flex or Next plans. However, you can still choose any of our plans if you prefer a different option.
You cannot restart the test drive, but you can keep driving to improve your Safety Score. Your quote will automatically update to reflect your latest score.
A quote may not be available if you haven’t fully met all minimum requirements, your driving record couldn’t be verified, or you were determined to be a high-risk driver. The app will provide specific information about what’s needed.
Your quote is good for a limited time. If you wait, your rate may change as new driving data is collected. We recommend purchasing soon after receiving your quote for the most accurate pricing.
We’ll need your full name, date of birth, home address, and vehicle details. You’ll also need to complete the minimum driving requirements and have a Safety Score of at least 85.
Arizona residents can see their personalized quote after meeting the driving requirements (5 trips and 200 miles, or 5 trips and 50 miles after 2 weeks). Most customers will see their Safety Score within 14 days. The app will notify you when your quote is ready.
Your Safety Score will be revealed after you complete 5 trips and drive 200 miles. If you haven’t reached these minimums after 2 weeks, we’ll show your score once you’ve completed 5 trips and 50 miles.
You can stop at any time by logging out of the app or deleting your account. There are no penalties or fees. You’re under no obligation to purchase insurance.
No, it is completely free to download the app, participate in the program, or receive your personalized quote. You only pay if you decide to purchase a policy.
Download the Novo app, sign up with your email, verify your account, add your vehicle, and set up Bluetooth. Once configured, just drive normally and the app will track your trips.
Your vehicle must be Bluetooth-equipped and not used for commercial purposes. When you add your car in the app, we’ll verify eligibility based on year, make, and model.
Currently, anyone can download the app and get a Safety Score, but only Arizona residents are eligible to receive an insurance quote and purchase a policy. You’ll need a Bluetooth-compatible vehicle and a smartphone to participate.
Novo’s test drive is a trial program that lets you experience safety-based insurance pricing before committing to a policy. Download our app, connect your vehicle via Bluetooth, drive normally, and receive a personalized quote based on your actual driving — with potential savings up to 40%.
Payment timelines vary based on the complexity of the claim. Your adjuster will keep you updated on the expected timeline once the claim is approved and processed.
Your adjuster will guide you through the total loss process, which includes determining the vehicle’s actual cash value, coordinating title transfer, and issuing your settlement. Remove all personal belongings from the vehicle and return any license plates per your state’s requirements.
If you owe more on your loan or lease than the actual cash value of your vehicle, you may be responsible for the difference. Loan-lease payoff coverage can help cover this gap if you selected that option on your policy.
Payment is typically issued to you and any lienholder listed on your policy. If you have an outstanding loan or lease, the lienholder will be paid first up to the amount owed, with any remaining balance going to you.
If your vehicle is totaled, coverage for that vehicle will end once the total loss settlement is finalized. You will need to update your policy to reflect any new vehicle you obtain.
In some cases, you may be able to retain your totaled vehicle as salvage. If you choose to keep it, the salvage value will be deducted from your settlement. Your adjuster can explain your options.
A total loss occurs when the cost to repair your vehicle exceeds its actual cash value (ACV), or when the vehicle cannot be safely repaired. In this case, we will pay you the ACV of your vehicle minus your deductible.
The type of parts used in your repair depends on your policy and the availability of parts. OEM parts may be used, but aftermarket or like-kind-and-quality parts may also be utilized. Your adjuster can provide more details specific to your claim.
A supplement is an additional repair estimate submitted by the repair facility when they discover additional damage or costs beyond the original estimate. We will review and approve any additional covered costs.
If the actual repair cost exceeds the original estimate, the repair shop can submit a supplement to us for review. Your adjuster will work with the repair facility to evaluate and approve any additional costs covered under your policy.
Repair time varies depending on the extent of the damage and parts availability. Your repair facility will provide an estimated timeline, and your adjuster can help if any issues arise during the process.
If you choose to upgrade to a vehicle beyond what your rental reimbursement coverage pays for, you will be responsible for the difference in cost.
You can keep the rental until your vehicle is repaired or a settlement is reached, subject to the limits in your policy. Your adjuster will let you know when the rental period ends.
Your adjuster will provide details on how to arrange a rental vehicle once you are eligible. This typically involves contacting the rental company and referencing your claim number.
You may be eligible for a rental car once your claim is approved and your vehicle is confirmed to be in for repairs. Your adjuster will let you know when you can begin using a rental.
If you have rental reimbursement coverage on your policy, we will pay for a rental vehicle while your car is being repaired after a covered loss. Check your policy for the daily and total limits that apply.
Vehicle value is determined based on the actual cash value (ACV) of your vehicle at the time of the loss, taking into account factors such as the make, model, year, mileage, condition, and comparable vehicles in your area.
You have the right to choose any licensed repair facility. Your adjuster can also provide a list of preferred repair shops. Using a preferred shop may streamline the process, but it is ultimately your choice.
The vehicle owner does not necessarily need to be present for the vehicle inspection. Your adjuster can provide guidance on how to best coordinate the inspection for your claim.
Comprehensive coverage includes repair or replacement of the windshield and other glass on your vehicle, subject to your deductible unless you have selected $0 deductible glass coverage.
If your vehicle has glass or windshield damage, file a claim with us. Comprehensive coverage typically covers glass repair or replacement. You may be eligible for a $0 deductible if you selected that optional coverage.
If your vehicle needs to be towed, please contact your adjuster. We can provide guidance on towing options. Keep any receipts for towing services as these may be reimbursable depending on your coverage.
If your vehicle is not drivable after an incident, please let your adjuster know. If you have rental coverage on your policy, you may be eligible for a rental vehicle while yours is being repaired.
Your assigned adjuster will provide periodic updates. You may contact that person directly if you need additional status updates or have questions about your claim.
KnightBrook Claims will handle your claim on behalf of Novo. Once filed, you will be provided with a claim number and a dedicated adjuster.
If the vehicle is repairable, the deductible is paid to the repair facility once repairs are completed. If your vehicle is a total loss, the deductible is subtracted from the settlement amount.
You can email any documents directly to your assigned adjuster once the claim is reported and you are provided with their contact info.
Common information collected includes your policy number, photos of vehicle damage, contact info for all parties, the other driver’s insurance info, date/location/description of the incident, vehicle descriptions, injury details, and the police report if available.
You should file as soon as possible. You can check your state’s department of insurance for the maximum time allowed, but we recommend starting the process immediately.
To initiate a claim, please call 1-888-333-8198.
Yes, we encourage you to contact us any time you have a loss, even if you don’t plan to get your vehicle repaired. This helps us protect you financially if the other party later reports property damage or injuries.
Yes, you have the option to file with the other party’s insurance company if you believe you’re not at fault. Filing with Novo means you won’t need to wait for fault to be determined to proceed with repairs. Filing with the other insurer may mean no deductible, but there’s a risk they won’t accept full responsibility. If you choose to file with the other insurer, Novo cannot assist you with that claim.
For general claims questions, call us at 1-866-862-7757, chat at www.novo.us, or email support@novo.us. Once a claim is initiated, your assigned adjuster will be the best resource for questions specific to your claim.
If you suspect fraud relating to a claim, please notify us at 1-888-333-8198.
Injuries should be your first priority — attend to them immediately and call emergency services. Then file a claim as you would for vehicle damage. The at-fault driver is usually responsible for injuries, though no-fault states use personal injury protection (PIP) coverage instead.
If you receive a legal summons, contact your claim adjuster as soon as possible. Have a copy of the summons ready to help assist in your legal defense.
The rate for your current policy term will not be impacted. However, it may affect your premium at renewal. You will be notified of any rate changes in advance of the renewal date.
It is not typical to cancel a policy mid-term. However, Novo may choose to nonrenew certain policies at the end of their terms. Affected policyholders would receive notification at least 45 days in advance.
It is your decision whether to get your vehicle repaired. However, if you are still making payments on the vehicle, your lienholder may require repairs. Declining repairs could also impact eligibility for certain coverages going forward.
Personal belongings should be covered under your renters or homeowners policy. Auto insurance has limited coverage for personal items even if they were left inside your vehicle.
You should still report the claim even if you think the repair cost is less than your deductible. Repair costs can be higher than expected, and an inspection estimate can help determine whether filing a claim makes sense.
If you file a claim with Novo, you will pay your deductible regardless of fault. If another party is found at fault, we will work to recover that amount through subrogation, though this is not always guaranteed.
Fault is determined based on details of the accident and applicable state laws, including witness statements, police reports, accounts from involved parties, and photos. In some cases there may be shared liability between both parties.
It is recommended that you call the police even for minor collisions and receive a police report to formally document the accident. This can help speed up the claim process and determination of fault.
Exchange information with the other driver, call the police, and notify Novo. Uninsured/underinsured motorist coverage will help cover damages from drivers who are not insured or whose insurance is insufficient. Never accept cash or a check from the at-fault driver immediately after an accident.
Make sure everyone is safe and request help from emergency services as needed. Notify the police and collect as much information as you can. Then notify Novo and file a claim as soon as possible.
After confirming everyone is safe, try to collect: other party's name, phone, and driver's license; their insurance company and policy number; vehicle year/make/model and plate; witness contact info; photos of damage and the scene; location, date, time, and conditions; a description of what happened; and the police report with officer name and badge number.
While every claim is different, there are usually several major steps: file the claim to notify us of the incident, get an inspection and repair estimate, decide whether to receive payment or schedule a repair, and your vehicle will be restored to pre-accident condition (if not a total loss). Your claim adjuster will walk you through those specific to your situation.
Your username is your primary email address. You will be sent a new code by email each time you desire to log into your account. You can contact us if you forgot your username and require assistance with logging in.
You will be sent a new code by email each time you desire to log into your account.
Your username is your primary email address. If you changed your email address and need to update your username, please call us at 1-866-862-7757, chat with us at www.novo.us (click the chat icon located at the bottom right corner), or email us at support@novo.us.
We understand that your battery life is important, and it is a key measure that we monitor for every update that we release. We don’t want to consume a lot of your battery because frequently utilizing our app makes for the best policyholder experience with Novo.
We are continually improving the Novo app with new features and functionality. Today, you can do things such as:
• View policy information and documents, including ID cards
• Monitor your Safety Score
• See your trips and driving insights
• Review your bill and estimated upcoming premium
• Make a payment
• Download an accident checklist
• File a claim (or call 1-888-333-8198)
• Quickly contact us
You will not have to enter your login credentials each time you start the app. You should stay logged into the app for a period of several months unless you choose to log out, even if it is closed.
If you do not already have a Novo account after purchasing a policy, then you can get started by tapping “Connect your account now” on the login screen of the app. Next, use your primary email address and you will be sent a one-time password. If you already have an online account, you are able to use the same account credentials for our app.
You can find the Novo app on the App Store (for iPhones) or Google Play (for Android devices). The app is available for the vast majority of our customers, but it may not be available for older devices/phones or operating system versions.
The Novo app is compatible with most modern smartphones running iOS (13.0 or later) or Android (8.0 or later). For the best experience, you may need to update your device with the latest operating system.
Yes, you must be a policyholder to access the app at this time.
Novo requires all rated drivers to download and complete setup within our mobile app. This is critical for Novo to accurately calculate your Safety Score and reward safe driving behavior. If one or more drivers is unable to do so, you may run the risk of losing discounts and savings that are associated with participation in Novo's plans.
The “Motion & Fitness” permission for iOS users and “Physical Activity” permission for Android users allow Novo to securely and accurately identify the time when you start and end a trip.
Novo needs to track all trips taken in order to calculate your Safety Score. When you have the “Always Allow” permission enabled, we can securely track trips even if the Novo app is not open. If this permission is not enabled, we will not be able to capture trips taken when the app is closed. Failure to comply with required data sharing could lead to an increase in your rate.
For policies which require a mobile phone for data collection, you must download the Novo app. It has many valuable features such as the ability to view policy details, make changes to your policy, and check your Safety Score to see how your premium is trending.
