Help & Support - Online Services

The App will display your driving badges for speed, smoothness and focus after each trip. The safe speed badge is earned by driving the speed limit at all times. The smoothness badge is earned for accelerating and braking smoothly. The focus badge is earned for distraction-free driving.

Earning all three badges for many of your trips could contribute to a price decrease when your insurance is renewed. When no driving badges are earned, the trips are considered risky driving and could contribute to increasing the price. A good or bad trip shouldn't significantly impact your price as we consider all your trips. Keep in mind that several other factors can affect your price adjustment other than the driving badges you earn. Check the App regularly to help improve your driving.

According to the example below, the driver used their phone on the road, so they only earned the safe speed and smoothness badges. If they don’t use their phone on their next trip, they could earn the focus badge.

There are a few reasons why a trip can't be detected:

• no internet connection
• battery is lower than 20%
• phone is in power-saving mode
• permission has been disabled
• App is not running in the background
• App is experiencing technical difficulties

The App uses state-of-the-art technology to analyze your driving habits and phone's movements to detect if you're the driver, passenger or using a different form of transportation (e.g., public transit). If one of your trips is inaccurate, you can adjust it in the App within 30 days of completing a trip. 

Registered drivers must drive at least 500 kilometres for their driving habits to be accurately assessed. The more you drive the more accurate picture of your driving habits we'll get and the more personalized your price will be.

If you don't drive the minimum kilometres, you will not be cancelled from Smarter ride. However, upon renewal the activation discount would fall off and you may not be provided with an Adjustment, or the impact of the Adjustment will be less significant. For more details, refer to the question “How do you personalize my price?”.

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.

Like all App s that use your location, Smarter ride will consume an average of 3% to 6% of your phone's battery per day. This is a small amount when you're not driving and slightly more while you're taking a trip. Remember, if your battery is lower than 20% or your phone is in power-saving mode, the App can't record your trips.

Your driving data is collected throughout your policy term until renewal, which allows us to adjust your premium. This could increase or decrease the cost of your car insurance and change your price when your policy is renewed.

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.