Why did I receive a text message telling me Smarter ride no longer detects my trips?
Receiving this text message means that there's an issue with your settings. Check if you see a "Missing permissions" message when you open the app.
You can also check the following:
your device is not in power-saving or Airplane mode when you drive
your device location settings are turned on
you have the latest version of the app
If you have fixed these issues and are still receiving text messages telling you that Smarter ride is no longer detecting your trips, call us at 1-833-460-8162.
What happens if my phone is damaged when I share my digital proof of insurance?
If you choose to use digital proof of insurance, you're responsible for any risks that may arise, such as damage to your phone by a third party, including a police officer.
Do I need a data plan?
Yes, you need a data plan with internet access to collect and transfer your driving data to us.
How will my driving habits affect my car insurance premium?
Your driving habits are used to adjust your premium based on the driving habits we record every time you drive. By driving safely, you could decrease the cost of your insurance by up to 25%, but risky driving could increase your premium by 25%.
Here's an example, for illustration purposes only, of a $1,000 yearly car insurance contract:
If you're a new customer to Scotia Home & Auto Insurance who signed up for Smarter ride, you will receive a one-time 10% activation discount, so your premium will be $ 900 for the year.
We will adjust this premium according to your driving habits when your insurance is renewed. The adjustment could vary between:
a maximum decrease of 25% = $ 750 for the year
a maximum increase of 25% = $ 1,250 for the year
For more details, refer to the question "How can I see how my driving affects the cost of my insurance?".
What happens if I don’t activate Smarter ride?
You must complete your registration within 15 days of the activation date. Otherwise, we could cancel your enrolment, and if an activation discount is present, it would be removed.
Will a sudden movement of my phone activate Crash Assist?
No. Don't worry. The technology used by Crash Assist is so advanced that the algorithm can distinguish between an actual accident and your phone being dropped.
Can I use my digital proof of insurance instead of the paper version?
Digital proof of insurance is valid in most Canadian provinces: Quebec, Ontario, Alberta, Nova Scotia, New Brunswick, Northwest Territories, Yukon, Prince Edward Island, Newfoundland and Labrador. And in most of the United States.
Please print the paper version of your proof of auto insurance when travelling outside of your province or country.
How much of my data plan will be used?
Typically between 30MB and 60MB of data will be used per month. This is a small fraction of the average data plan (1,000 - 2,000MB or more per month).
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