Young drivers can gain safety skills, save money under Royal & Sun Alliance Canada’s Drive for Life Inc.

Breakthrough driver training simulation program coming to Toronto
Royal & Sun Alliance Canada to offer substantial insurance rebates to

TORONTO, May 4 – Royal & Sun Alliance Canada and Drive for Life Inc.
today announced the availability of a new driver training program designed
to provide real-world skills and insurance discounts for families of young
drivers. The Drive for Life training program uses a driving simulator
equipped with dynamic front, rear, and side-view mirrors to teach young
drivers the defensive driving techniques required when faced with
challenging, high-risk driving scenarios.

In recognition of the safety skills young drivers will acquire in Drive
for Life training, Royal & Sun Alliance, Western Assurance Company, and
Ascentus Insurance Ltd. will offer graduates of the program discounted
rates on automobile insurance premiums for each of their first four years on
the road. The savings can amount to as much as 30 per cent in year one,
then 19 per cent for the second year, and 15 per cent for each of the third
and fourth years.*

“The complexity of today’s driving environment means that drivers need
enhanced skills to deal with the challenging situations,” said John
Williamson, managing director of Drive for Life. “Experience is one of the
most important factors in driving, and our highly realistic simulator training
environment can provide drivers with this experience quickly and safely.”

Prepare for high-risk driving

Although the number of deaths and injuries has declined, road crashes
remain the leading cause of death for young people in Canada. According to
Transport Canada’s 2003 Canadian motor vehicle traffic collision statistics,
drivers aged 16-24 accounted for 22.6% of driver fatalities and 24.6% of
driver serious injuries, despite the fact that drivers in the age group only
accounted for 13% of licensed drivers. Many of these collisions are the result
of difficult — or new — driving conditions.

Drive for Life uses state-of-the-art simulator technology that teaches
young drivers how to handle a wide range of driving situations, including
challenges in urban, rural, suburban, and highway environments — for
example, practicing driving in slippery winter conditions and dealing with
aggressive drivers and road rage. The simulators are powered by the next
generation of scenario software that uses Drive for Life’s proprietary SPOT
technique: Scan, Predict, Options, and Take action. Previously available for
commercial, military, transit, and emergency services drivers, this technique
has proven to dramatically improve driving skills, resulting in lower accident

Royal & Sun Alliance insurance savings

Drive for Life is the first product to be launched as part of Royal &
Sun Alliance Canada’s StartSmart(TM) program, a group of insurance
products with a focus on safety and designed to protect the interests of
families with young drivers. Royal & Sun Alliance Canada wants your family
to be better prepared for driving surprises, and help new drivers avoid
common, but dangerous, mistakes. StartSmart reinforces accident
prevention by providing the insurance products and discounts to encourage
safe driving behaviour.

According to Shawn DeSantis, vice president of personal insurance at
Royal & Sun Alliance Canada, investing in Drive for Life could be one of the
smartest investments families with young drivers can make.

DeSantis says: “As a company that gets involved in our communities, we
want to ensure young drivers have the right skills to begin their driving
careers, and make it easier for parents to hand over the car keys to their
young son or daughter. We are excited to be able to reward those people
who are committed to safe driving with these insurance savings.”

The savings are substantial — so the training program pays for itself in
anywhere from one to four years, depending on the insurance class of the
new driver. For example, a 17-year-old male licensed one year, driving a
2005 Toyota Camry as a secondary driver in Mississauga, would save over
$350 on premiums in the first year alone with completion of Drive for Life
simulator training.

The first Canadian Drive for Life training simulator centre is now open
to the public in Mississauga at the Sheridan Centre, 2225 Erin Mills
Parkway. Additional sites may be added in the future. For more information
about hours, location and training courses, visit, or call 905-822-0111.

About Drive for Life

Drive for Life is a breakthrough training approach for automobile drivers
to improve their driving abilities. Using state-of-the-art simulator
technology, drivers are exposed to a wide-range of high-risk driving
situations, in a safe and effective environment. Using Drive for Life’s
proprietary SPOT technique: Scan, Predict, Options, and Take action —
drivers learn how to effectively anticipate and react to different high-risk
driving situations. Drive for Life is a Toronto-based company that is leading
the development of simulator training environments for automobile drivers.

About Royal & Sun Alliance Canada

The Royal & Sun Alliance Canada group includes Roins Financial Services
Limited, Royal & Sun Alliance Insurance Company of Canada, Quebec
Assurance Company, Johnson Inc., Western Assurance Company,
Ascentus Insurance Ltd., and is part of Royal & Sun Alliance Insurance
Group plc. The Royal & Sun Alliance Canada group employs more than
2,400 people and is represented by a large network of independent brokers
across the country. In 2004, the Canadian Group wrote $1.4 billion in direct
premiums with assets exceeding $4 billion. Internationally, Royal & Sun
Alliance Insurance Group plc employs about 29,000 people and transacts
business in more than 130 countries with assets of approximately $55 billion.
For more information, visit www.royalSun

* Stated discount rates are for newly licensed drivers only. The
applicability of discounts depends on accident and conviction record.
Discounts are from the price that would otherwise be offered by the
insurer to that driver for the identical products. The actual wordings of a
policy, local law, and rate regulations govern all situations.