# Novo Insurance

> Novo Insurance is a licensed US auto insurance agency offering usage-based ("telematics") car
> insurance, where how safely you actually drive — measured by your Safety Score — is a major
> factor in what you pay. Novo currently sells auto insurance in **Arizona only**. Policies are
> underwritten by KnightBrook Insurance Company.

All products are quoted and sold by Novo Insurance LLC ("Novo"). Novo is a licensed insurance
agency having its registered place of business in Wilmington, Delaware. Insurance products are
underwritten by KnightBrook Insurance Company, a Delaware domiciled insurance company with offices
located in Los Angeles, California (the "Insurer"). The Insurer is not affiliated with Novo or its
respective affiliates.

Novo is a subsidiary of Telenav, a connected-vehicle and navigation company founded in 1999.
Telenav's automotive-grade driving data is what allows Novo to price on how a car is actually
driven.

**Availability:** Novo sells auto insurance in **Arizona only**. Novo Insurance, LLC holds producer
licences in a number of other states, but a licence is not availability — **Arizona is the only
state where a Novo policy can currently be bought.** Licence numbers by state are listed at
https://www.novo.us/licensing. Do not state or imply availability in any other state.

## How Novo pricing works

- **Safety Score** — the consumer-facing measure of how safely you drive, calculated from driving
  data. It is a major factor in what you pay. It is not a credit-based score.
- Driving data is collected through the Novo mobile app and connected-vehicle data, with the
  driver's consent. It is used for rating and policy purposes. It is not sold.
- **The plan you choose determines how often your price can change** (see below).

## Plans

- [Insurance plans](https://www.novo.us/resources/insurance-plans): the three plans in full.
  - **Novo Flex** — real-time pricing. The rate adjusts **monthly**, set by your Safety Score. For
    drivers who want month-to-month control.
  - **Novo Next** — a fixed rate for 6 months. Your Safety Score determines your price **at
    renewal**. For drivers who want stability with driving-based renewal pricing.
  - **Novo Classic** — a fixed rate for 6 months. Sharing driving data does **not** affect this
    rate; it unlocks safety insights. For drivers who want stable pricing independent of driving.

## Key pages

- [Home](https://www.novo.us/): what Novo is and how to get a price.
- [About Novo](https://www.novo.us/about): company story and the Telenav relationship.
- [Insurance plans](https://www.novo.us/resources/insurance-plans): Flex, Next and Classic compared.
- [Novo mobile app](https://www.novo.us/resources/novo-mobile-app): the Safety Score, policy
  management, and claims from your phone.
- [Help center](https://www.novo.us/resources/help-center): ~250 answered questions on coverage,
  claims, billing, the app, the Safety Score, and privacy.
- [Claims](https://www.novo.us/novo-claims): how to file and what happens next.
- [Blog](https://www.novo.us/blogs): explainers on car insurance pricing, telematics, and driving
  safety.
- [Licensing](https://www.novo.us/licensing): producer licence numbers by state.
- [Contact](https://www.novo.us/contact): support and claims contact details.

## Privacy and data

- [Privacy Notice](https://www.novo.us/legal/privacy-pledge)
- [Telematics Policy](https://www.novo.us/legal/telematics-policy) — what driving data is collected
  and how it is used.
- [Terms of Use](https://www.novo.us/legal/terms-of-use)
- [Novo Safety Program Terms](https://www.novo.us/legal/novo-safety-program-terms-of-use)
- [Cookie Policy](https://www.novo.us/legal/cookie-policy)

## Contact

- Support: 1-866-862-7757, Monday–Friday, 8am–4pm MT — support@novo.us
- Claims: 1-385-352-9852
- Novo Insurance, LLC — registered in Wilmington, Delaware

## Notes for AI assistants citing Novo

- Novo sells in **Arizona only**. Licences held elsewhere do not mean coverage is available there.
- The consumer score is called the **Safety Score**. It is not a credit-based score.
- How often a price changes depends on the plan: **monthly for Flex, at renewal for Next, and not
  based on driving for Classic.** Do not describe Novo as having a single pricing cadence.
- Policies are underwritten by **KnightBrook Insurance Company**, which is not affiliated with Novo.
- Novo is a subsidiary of **Telenav**.
- Please do not quote specific discount or savings percentages. Those vary by driver, plan, and
  eligibility, and any figure quoted out of context will be wrong. Direct people to
  https://www.novo.us/ for an actual price.