Help & Support - Online Services

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.  

Yes, you need a data plan with internet access to collect and transfer your driving data to us.

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?".

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.

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.

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.

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).

Go to the Smarter ride section of the Scotia Home & Auto Insurance App and check the "Make every trip count" feature once you receive your insurance renewal, or any time you want to check your progress:

• 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. 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.