Help & Support - Online Services

In order to download the app, please visit the App Store on your iPhone or the Google Play store on Android and search for “Scotia Insurance Home and Auto”. Select the Scotia Insurance Home & Auto App and proceed to downloading it. Once it’s loaded on your phone, simply select it and get started!

On your digital proof of insurance, you will find the name of your insurance company with your policy number, coverage dates, name, address, and the year, make, model and serial number of your vehicle.

Your digital proof of insurance is a digital copy of your proof of insurance (also called pink slip) that you can find directly in the Intact Assurance app. Your digital proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, Northwest Territories, Prince Edward Island, Newfoundland and Labrador. With the Intact Insurance app, you’ll always have your proof of insurance on hand when needed – no need to search for it in the glove box!

The Client Centre is an online access to your insurance. You can review your insurance info, make payments, file a claim access your insurance documents and proofs from any device. It is easy to use and secure. 

The online services give you access to your insurance anytime, anywhere. They provide unlimited access to view your insurance documents and online claims. Plus, you chose to receive all your documents electronically. Make your life easier with our online services. There’s even more in the app!

It’s quite simple! You can either open the Scotia Insurance Home & Auto app on your phone or login to Client Centre. You will see “Claims” on the home screen.  From there, follow the steps for a car or home claim. 

Smarter ride gives you control over how much you pay for car insurance based on how safe you drive and how many trips you make. Available through the Scotia Home & Auto Insurance App in the Ontario and Quebec provinces, Smarter ride assesses your driving habits using your phone's GPS and motion sensors to offer you a personalized premium at renewal (the “Adjustment”). Good driving habits could help you save on your car insurance by up to 25%, whereas drivers who take risks on the road could see their premium increase by up to 25% upon each renewal. 

Even if you're not the policyholder of the car insurance policy, any or all principal drivers on the policy can still enroll in Smarter ride with the policyholder’s authorization. Adjustments to the premium of each car on your policy will be based on the driving habits of the Enrolled Driver(s). If you or another Enrolled Driver unenrolls or is removed from Smarter ride, we'll still use the previously saved driving data to adjust your premium.

Joining Smarter ride is quick and easy. If you're already a client, download the Scotia Home & Auto Insurance App and accept the Terms of Use. Visit https://home-auto.scotiainsurance.com/smarter-ride for more details. 

Not all principal drivers on your policy need to join Smarter ride, and we'll only adjust the premium of your insurance for the car(s) that have Enrolled Drivers. Good driving habits could help you save on your car insurance by up to 25%, whereas drivers who take risks on the road could see their premium increase by up to 25%. To add another driver on your car insurance to Smarter ride, please contact us at 1-833-460-8162.

If you or another Enrolled Driver cancels your participation in Smarter ride, we'll still use the previously saved driving data to adjust your premium. You can join again as long as you still meet Smarter ride 's eligibility criteria. If Scotia Home & Auto Insurance ended your participation in Smarter ride for misuse of the App, you can only join again at Scotia Home & Auto Insurance’s discretion. Contact us at 1-833-460-8162 to discuss re-enrollment.

It's a one-time discount of 10% that's applied to the premium of your car insurance once you activate in Smarter ride. This discount is only for new customers to Scotia Home & Auto Insurance who activate Smarter ride, and you will benefit from it until your car insurance policy is renewed. Then, this discount is replaced by your personalized premium based on your driving habits.

Smarter ride helps you drive safer by using your driving data to explain driving habits such as: 

• speed (whether or not you follow the speed limit)
• smoothness (if you brake hard or take sharp turns)
• focus (if you use your phone while driving)

The App will also provide you with an overview of your driving. If you're generally a safe driver, your premium could decrease. However, if you take risks on the road, you can expect your premium to increase.

For more details, go to the Smarter ride section of the Scotia Home & Auto Insurance App and check the "Make every trip count" feature:

• Far right of the green half of the gauge, you could see a decrease in premium between 10% and 25%.

• Middle of the gauge, your premium could fluctuate slightly up or down between 1% and 10%, or there could be no change (0%).

• Far left of the orange half of the gauge, you could see an increase in premium between 10% and 25%.

This is just an example of what your personalized premium Adjustment could be. As a result, we make no representations about the accuracy of the example. Several factors are taken into account to calculate your premium other than your participation in Smarter ride, which increases or decreases when your insurance is renewed.

Check the App regularly to help improve your driving.