Enrollment, Quotes, and Plan Lifecycle¶

This page explains how a user joins GDC, gets a quote, manages plan timing, renews, leaves or restores a plan, or deletes an account.

For app steps and visual guidance, see the Quotes and Enrollment guide and Plan Management and Renewal guide.

Joining GDC¶

GDC operates on an invitation-based model. A user first needs to receive a referral code from an existing GDC member or affiliate to join.

Joining flow:

Download the GDC app and sign up using a phone number.
Request a quote.
Before getting a quote, prepare a PDF document of the current or renewal auto insurance declarations page and the driver's license.
Enter the ZIP code listed on the liability insurance declarations page. It must be a U.S. ZIP code. If the ZIP code listed on the liability insurance declarations page is in Hawaii, Alaska, New York, Massachusetts, or Rhode Island, the user cannot continue.
Upload either a declarations page in PDF format or multiple images. If uploading images, use good image quality and correct page order.
Wait while AI parses the policy.
Confirm or input vehicle information, including available vehicles, vehicle usage, annual mileage, and related details.
Confirm or input holder information, including name, gender, date of birth, and related details.
Review driver and vehicle information and request a quote.
Choose an effective date and out-of-pocket amount.
Enter the referral code.
Upload the driver's license.
Create a 6-digit PIN.
Provide a notification email address to receive plan-related updates.
Complete checkout.

Users can usually obtain the declarations page PDF by contacting the insurance company by phone and requesting that it be sent by email. Additional guide: https://gooddriver.super.site/quote/tutorial-for-obtaining-the-declarations-page.

Quote handling and effective dates¶

If the client provides a policy that is about to come into force, the GDC platform can successfully quote.

A successful quote cannot be manually canceled. It automatically expires after 7 days.

When enrolling in a GDC Plan, the latest effective date can be up to seven days after payment. Once payment is processed, the effective date cannot be altered.

After successful joining, the GDC plan becomes active at 12:00 AM midnight on the selected effective date. Restoring a plan does not change its original effective or expiration date. If the original effective date has not arrived, restoration returns the plan to its scheduled start; it does not make benefits effective early.

Every GDC Plan has a validity period of 6 months.

GDC publishes eligible events every Monday. Weekly sharing contributions for those events are deducted the following Monday.

Once a plan takes effect, the member first goes through a Monday announcement before beginning to share. If a publication date falls before the plan is effective, the member is not required to contribute for those events.

If an event occurs before a member's plan expires but is announced after the plan has ended, the member does not share that cost. This ensures members only share costs for events announced during their active plan period. A member who restores a plan must also make up the missed Weekly Sharing for applicable cycles during the restoration window; see Payments required to restore a plan.

There are no extra points for the first renewal within the year 2024.

Renewal¶

Thirty days before the existing GDC Plan expires, the member receives an email notification with all transactions during the effective period, including total service fee, sharing contributions, and remaining pledge balance.

At renewal, a new quote is calculated based on previous data and adjusted based on inflation, accident history, and driving habit score during the previous 6 months. 20% of the new quote is the service fee paid upfront for the next term.

With the address-change update, renewal quotes will use the latest version of the plan information, including the updated address after a confirmed address change. See Address-change rules.

GDC automatically deducts the renewal service fee 15 days before the existing GDC Plan expires. To cancel this deduction and stop renewal, the member can manually disable Auto Pay after receiving the renewal email.

If Auto Pay is canceled, the member must manually complete future renewal payments. If the renewal fee is not paid before the current plan expires, the renewal fails.

While a plan is in the restoration window, renewal quote creation, automatic renewal payments, payment retries, and related quote/payment notifications are paused. After restoration, those processes resume under the usual renewal rules. Restoration does not extend the original plan term or bypass renewal eligibility.

Members are not always eligible to renew. Non-renewal conditions include:

The car age exceeds 18 model years for domestic and European coupe/sedans or exceeds 23 model years for all other vehicles.
The member applied for two or more eligible events in the past 6 months, excluding the first instance of glass-only damage event and any repair-only glass event.
There is evidence of fraud or suspicion of fraud as judged by GDC.

Renewal quotes appear in the Dashboard section of the GDC App. The renewal payment page may show:

Pay: Quick Pay using the latest authorized payment method on file.
Review & Edit: lets the member review renewal details, change eligible renewal options, enter checkout, select another payment method, add a new card, or use Apple Pay / Google Pay where available.

Termination, cancellation, and vehicle changes¶

Plan termination flow:

Go to the Dashboard page in the GDC app and select the plan.
On the plan details page, tap Manage Plan at the bottom and enter the PIN.
On the Manage Plan page, select the option to terminate the plan.
Enter the PIN again and select Terminate Now.

A member cannot have any ongoing accidents in process when quitting. Otherwise, the system will not allow termination.

If a member leaves through the App before the plan starts and enters the restoration window, the service fee is not refunded immediately. If the member does not restore the plan, the full service fee refund is triggered when the window ends, or earlier when the member confirms Proceed Without Restoring. Once the plan has taken effect, its service fee is non-refundable.

Weekly sharing contributions already made for other members during membership are non-refundable. Remaining pledge balance does not need a refund because it was never actually paid. During a restoration window, the original plan and its pledge/sharing records are retained for restoration. When termination becomes final, the remaining pledge commitment ends; formally incurred unpaid contributions remain payable.

If a member sells the vehicle, the GDC Plan is no longer valid and the member should inform the platform to terminate the existing plan.

If a member changes vehicles after joining, they need to withdraw from the current GDC Plan manually. To enroll the new vehicle, they must obtain a new quote and complete enrollment again.

Restore a plan after leaving¶

Restore Plan allows a member to restore the original plan for the same vehicle (VIN), without a new quote or a new plan. It applies to eligible early, voluntary exits made through the GDC App, for both initial and renewal plans. Each plan can be restored only once after a voluntary exit. After using that restoration, a later exit from the same plan cannot be restored through this feature.

Eligibility and deadline¶

The restoration window is seven days from the eligible App exit. Check the exact deadline shown in Plan Details and complete restoration before it ends. The window can end earlier if the original plan reaches its expiration date, the member confirms the available service fee refund, or another disqualifying termination occurs.

This feature is not available for plans terminated through an administrator-initiated refund, a user-initiated payment dispute, forced termination, natural expiration, overdue-payment removal, or completion of a total-loss event. In particular, a plan removed after failure to pay Weekly Sharing within the 14-day payment grace period cannot use this feature. The payment grace period and the seven-day restoration window are different rules.

An Ended label alone does not establish whether restoration is available. Check the plan's current restoration option and deadline.

During the window¶

Normal new Weekly Sharing participation and its automatic charges pause. Missed-cycle amounts are calculated for use if the member restores the plan.
The eligible plan remains in the App's incident-reporting plan list, but restoration is required before continuing a report. If the window ends without restoration, the fully canceled plan no longer appears in that list. See Reporting after leaving or restoring a plan.
Associated Affiliate rewards and points are not reclaimed during the window. Restoration keeps the original invitation relationship and does not generate new enrollment rewards or points.
Reaching the original effective date while still in the window does not activate the plan automatically.

Completing restoration¶

The member must settle this plan's past-due Weekly Sharing and any missed-cycle amounts required for restoration. If the total is zero, confirmation is sufficient and no payment is due today. Future Weekly Sharing continues according to the plan's schedule.

An already-effective plan resumes its benefits after restoration. A plan whose original effective date is still in the future keeps that scheduled start. Neither case starts a new plan term. For ACH, restoration may complete while payment is Processing; if that payment later fails, the plan becomes invalid immediately and the member receives payment-failure and plan-invalidity notifications.

If the window ends without restoration, the exit becomes final and any applicable refund and reward/points reclaim follow the relevant rules. Missed-cycle restoration amounts are not collected if the member does not restore; pre-exit formal Weekly Sharing debts remain payable.

For step-by-step instructions, see Restore a plan.

Account deletion and inviter relationship after rejoining¶

Account deletion can be initiated in the GDC app. Process:

Open the GDC App and tap the profile in the top-left corner.
Go to Privacy & Security and select Delete Account.
Read the Account Deletion Notice and confirm deletion.
Enter the verification code and confirm deletion again.
After successful deletion, the system redirects to the login page.

Before account deletion can proceed, these conditions must be met:

All GDC Plans associated with the account are in a completed state.
There are no ongoing events associated with the account.
Withdrawal-eligible invitation rewards balance is $0.
Pending invitation rewards is $0.

The data processing period typically takes 30 days. If the user has made a reward withdrawal, the process can take up to 90 days. If additional time is required for other reasons, the user may be notified and the period may be extended up to 90 days.

Logging in again during the data processing period cancels the deletion process. Once deletion is complete, the user can sign up again with the same information.

If a user has already been a member before, the account remains linked to the original inviter. The user must wait 6 months after initiating account cancellation before switching to a different inviter.