Help & Support - Online Services

You need to start driving for the App to determine the starting point of your trip. As a result, there's a delay of 300 metres before it can detect movement and pinpoint your location.

You will remain registered for Smarter ride even if your car is in storage. If you drive another car, your driving data will continue to be collected. If you don't drive during this time, the App will assess your driving habits once you start driving again. According to our Terms of Use, previously collected driving data may be used to calculate your premium adjustment.

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.

Follow these steps if a trip is incorrectly identified. Go to “Trip summary” and select edit to change your status in the “About this trip” section within 30 days of completing the trip. You can also contact us if you need to correct any other information in the App.

Refer to the question "What happens if I delete the Scotia Home & Auto Insurance App " if you uninstalled the App.

If you cancel your Smarter ride enrollment, you will no longer be able to access the Smarter ride section in the App. Check your car insurance policy to see if your driving habits are still being used to adjust your price. If there's no mention of Smarter ride in your policy, then you're no longer registered, and your driving data is not being used to personalize your premium.

Consult your quarterly Smarter ride email or contact us if you want to know if the premium of your car insurance will increase or decrease because of your previously collected driving data. You can join again if you still meet Smarter ride 's eligibility criteria by contacting us at 1-833-460-8162.

Premium adjustments resulting from your participation in the Smarter ride program are subject to the Alberta Government’s premium cap for good drivers. If the premium cap is removed in the future, the filed premium increase of up to 25% could apply depending on your driving behaviour.

We will adjust the premium to insure your car based on your driving habits.

We will also adjust the premium to insure the cars of other Enrolled Drivers on your insurance policy based on their driving habits.

There will be no Adjustment for principal drivers on your car insurance policy who are not enrolled in Smarter ride.

For Example:

• There are two cars on the same insurance policy, and both drivers are enrolled in Smarter ride: The premium for each car will be adjusted according to the driving habits of that car’s Enrolled Driver.
• There are two cars on the same insurance policy, but only one driver is enrolled in Smarter ride: The price will be adjusted for only one car according to the driving habits of that car’s Enrolled Driver.

Go to "All trips" and select "A passenger was using my phone" within 30 days of completing the trip. This distracted driving event will then be removed from your trip summary. You can also contact us if you need to correct any other information in the App.