Help & Support - Online Services

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.

As long as the App has enough data on your driving habits (you drove 500 kilometres or more), we can apply Adjustments to your premium when your car insurance is renewed. If you didn't drive 500 km or more, you might not receive a premium adjustment, or the adjustment may have less impact on your premium than expected. We will take your trips into account as soon as you start driving again. The more you drive, the more significant your premium adjustments will be.

You will need to download the Scotia Home & Auto Insurance App again. There's no need to register for Smarter ride as the App will save all your information.

Download the App again and log in. You will find your profile, all your trips, and you're ready to get back on the road.

If you delete the Scotia Home & Auto Insurance App by mistake, download it again and follow the instructions to activate Smarter ride. The App will save all of your information, and you can continue driving. Remember, if the App can't record your trips, your personalized premium could be affected.

We're here to help. Call us at 1-833-215-7261 if there's an error in your driving data, or if you're experiencing technical difficulties.

Your automobile insurance premium will be adjusted upon each renewal of your policy, if eligible, based on a variety of driving events, such as:

• number of trips were you the driver;
• duration of trip;
• hard braking;
• rapid acceleration;
• cornering and turns;
• kilometres driven, and,
• distracted driving (e.g., using your smartphone while driving).

The above events represent part of your “Collected Data”.

These driving habits will be assessed and contextualized based on various factors, such as:

• severity of the event (how far above the speed limit you drive)
• speed at which event was registered
• time of day and day of the week you drive
• driving and road conditions
• total distance driven (if we do not collect sufficient data to assess your driving habits, you may not be entitled to an Adjustment, or the Adjustment you receive might have a lesser impact on your price at renewal)
• previous Collected Data
• road types (highway, urban or rural)
• left or right turns
• traditional rating factors (e.g., age and region).

This information is reviewed to offer you a personalized premium and allows you to influence your car insurance premiums.

As long as the App has enough data on your driving habits (you drove 500 kilometres or more), we can apply your premium Adjustment when your car insurance is renewed. If you didn't drive 500 kilometres or more, you might not receive a premium Adjustment, or the Adjustment may have less impact on your premium than expected. We will take your trips into account as soon as you start driving again. The more you drive, the more significant your premium Adjustments will be. For example, someone who completed 500 kilometres of good driving and then turns off their App will not receive the same premium adjustment as someone who drives 5,000 or 10,000 kilometres with their App capturing all their trips.

For Alberta, Ontario and Quebec:
Yes, the premium of your car insurance could increase or decrease when your policy is renewed. This depends on your driving habits and those of the Enrolled Drivers listed on your insurance policy. You might see an increase or decrease of 25%, but other pricing factors are considered other than the Smarter ride premium adjustment.

For Nova Scotia:
Yes, the premium of your car insurance could increase or decrease when your policy is renewed based on your driving habits. This depends on your driving habits and those of the Enrolled Drivers listed on your insurance policy.

Three factors help determine the price of your insurance at renewal:

• standard factors (e.g. type of car, location)
• your driving context (e.g. how much you drive, where), and
• your driving style (e.g. speeding, using phone while driving)

Smarter ride ensures fairer pricing by linking your premium to your driving habits, meaning that driving safety may give you a discount on your premium at renewal and that taking risks on the road may increase it instead.

Subject to regulatory approval, maximum premium adjustments can vary over time without notice and range between a 40% discount for remarkably safe driving and surcharges of up to 80% for rare cases of extremely risky driving. Premium adjustments will be applied at your next renewal, where you will have the opportunity to review your policy.