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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).
Can I enrol multiple vehicles from separate automobile insurance policies?
You can only enrol in Smarter ride on one policy with Scotia Home & Auto Insurance. However, if you are listed as the principal driver on other vehicles insured under other Scotia Home & Auto Insurance car insurance policies, your Adjustment will also be applied to those vehicles automatically. If you are not the policyholder on the automobile insurance policy, you must obtain the consent of the policyholder(s).
Can other drivers on my car insurance join Smarter ride?
Yes. Anyone listed as a principal driver on your car insurance policy can register for Smarter ride.
What happens if I drive my car for business?
If you drive for work, your trips will still count towards Adjustments to your premium.
Can I join Smarter ride if I'm an Uber, Lyft, or commercial driver?
Smarter ride is for your personal car or business-owned vehicle. If you're driving for a commercial business (Uber, Lyft, Amazon, etc.), you will need to visit the “All Trips” section of the App and set the toggle to "I was a passenger on this trip" within 30 days of completing a trip. You can also contact us if you need to correct any other information in the App.
What type of phone do I need to use Smarter ride?
You will need an iPhone running iOS 14 or higher or an Android device running version 8.0 or higher. As the sensors react differently on different types of phones, the performance of Smarter ride could vary depending on the model you own.
How do I download Smarter ride?
Depending on your phone's settings, the Scotia Home & Auto Insurance App will update automatically or prompt you to confirm the update. You will then need to accept the Terms of Use. If you don't have the Scotia Home & Auto Insurance App, you can download it for free from the App Store or Google Play, sign up and accept the Terms of Use.
Apple and the Apple logo are trademarks of Apple Inc. App Store is a service mark of Apple Inc. Google Play, the Google Play logo and Android are trademarks of Google LLC.
Why do you need to access my location?
The App needs access to your phone's location for Smarter ride to work. It allows us to detect the start of a trip, whether you're the driver or a passenger and driving habits, such as changes in speed.
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