Help & Support - Online Services

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.

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.

Smarter ride helps you drive safer by using your driving data to explain driving habits such as: 

• speed (whether or not you follow the speed limit)
• smoothness (if you brake hard or take sharp turns)
• focus (if you use your phone while driving)

The App will also provide you with an overview of your driving. If you're generally a safe driver, your premium could decrease. However, if you take risks on the road, you can expect your premium to increase.

For more details, go to the Smarter ride section of the Scotia Home & Auto Insurance App and check the "Make every trip count" feature:

• 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. As a result, we make no representations about the accuracy of the example. 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.

Log out and log back in if you already have the Scotia Home & Auto Insurance App and can't access Smarter ride. If you still can't access it, try uninstalling and reinstalling the Scotia Home & Auto Insurance App or contact us at 1-833-215-7261. A customer service team member will walk you through activating Smarter ride

Your personalized premium will be applied to the following Scotia Home & Auto Insurance car insurance coverage (where applicable):

• Liability (Bodily Injury and Property Damage)
• Direct Compensation - Property Damage;
• Accident Benefits (Standard Benefits);
• Uninsured Automobile;
• Collision or Upset;
• Comprehensive;
• All Perils;
• Specified Perils.

Refer to your insurance documents for more details on the coverage listed above.

Yes, you can cancel your registration at any time by contacting us. However, your premium may decrease or increase depending on your previously collected driving data upon renewal and if the activation discount is present, it would be removed.