Telecom industry in Canada: what’s new?

The telecom sector of Canada is one of the most developed one in the world. Canada is ranked as the 21st largest country in the world in terms of internet users. There are approx. 32 million people in Canada that have internet access. It means that about 90% of the population of the country has internet access. The Canadians are the people that spent most of their time online. An average Canadian spend about 40+ hours per month online which is highest in the world. Most of the companies or the ISPs in Canada provide capped connections. There are some ISPs that provide unlimited internet downloading to their subscribers. The best part of such companies is that they offer the connection services throughout Canada.

The file sharing when it comes to the copyright material is completely illegal as per the Canadian law. Here comes the diversity of the internet which is a hot topic among the professionals. It is not possible for the authorities to eliminate the copyrighted material which is available on the internet. Such downloads are common in Canada and there are exceptions made to the law. The fair use policy will make sure that the users never land into issues at all. The Canadian authorities are working rigorously to make sure that the laws are defined clearly. It is because the fair use policy is clear for every download except music as the idea is very complex. It is expected that new laws and rules will be devised with the passage of time.

The main medium of communication in Canada is fiber optic. The last mile connectivity is something that the Canadian ISPs have in view before moving forward with the infrastructure build. The management of the network is being done by a constant upgrade by the companies that are spending millions to get the network better with every passing day. Bell Canada, Rogers Wireless, and Telus Internet are the main providers in Canada and each company faces a cut-throat competition to get more subscribers. There are many small companies which are working in Canada to provide door to door access. These companies can purchase the network rights from the large companies. The internet is then supplied under their own brand name.

There are 760 large companies which provide the internet access to the people of Canada. The total number is 2000 as per some estimates. There are many hosting services which counts to a total of 7.77 million. The services which are provided by these ISPs are reliable and user-friendly. Still, Canada is ranked as a country which does not have reliable internet services as per international standards. The mobile phone companies have also captured the telecom sector of Canada. An average Canadian spends about $65 per month. There are 30 million mobile phone users in Canada. The 90% of the total subscribers are connected to the large networks. There are many regional networks which also support the overall infrastructure. The CRTC or Canadian Radio-television and Telecommunications Commission is the sole authority to regulate wireless networks in Canada.

Drivers in Nova Scotia will be Tracked using Mobile Apps to Decide Insurance Rates

Auto insurance provider Intact Insurance in Nova Scotia plan to use mobile apps to track driver habits to determine the premium rates in the future. Based on the way one drives, they can be eligible for a 25% savings on their insurance premium!

The idea may sound out of a science fiction movie but the concept has existed for some time. Many companies like Intact Insurance offer a plug in dongles for vehicles which are used to track driver habits. Intact insurance revealed that the dongle program included 350,000 participants from all over the country. It was introduced at N.S in 2014.

However, they are not always the practical solution due to various reasons.

First is the cost that prohibits their universal use and in some cases, the devices are not returned to the company. They can also be lost adding to the cost of the company. Another reason is the dongles track the habits of any driver that gets behind the wheel and it is not possible to distinguish between them.

So, what makes mobile apps the easy way to get the cheapest insurance rates?

Mobile apps have many unique advantages that make them a pragmatic solution for the insurance companies. The app would be using the smart phone of the driver and eliminate any expense on part of the insurance provider. They will also be able to specifically track the habits of the insurance payer which is their priority. It will only monitor the main driver as the app will be linked to his mobile phone.

The tool will be used to track aspects of sudden accelerations, hard braking, night driving utilizing the GPS feature of the phones. Intact Insurance applied for permission to launch the program from the N.S Utility and Review Board which was granted on August 4. The company plans to launch the service next month starting September. The initiative will be a way to reward drivers with good habits and give them lower insurance rates for their performance.

For the time being, the app or the dongle insurance rates are optional in Canada. But according to experts, a day may come when it automatically becomes more preferable considering the costs. With the advance of technology, the companies may increase the cost of the premium and people will opt for the tracking program for affordability.

But not all customers may be willing to join the program. It has been seen that many consumers do not prefer to join such programs. Some also practice bad driving habits like speeding or other dangerous stunts which may impact the insurance rates. There are also some apprehensions about the nature of data collected by the app and its usage by the company. But as the insurance industry is regulated it has not misused the user data under its control.