Help & Support - Online Services

No. This information is only visible to you and no other drivers on your car insurance policy. Each driver can only view their own trips if they're registered for Smarter ride. The car insurance policy owner will receive a quarterly email with details on what drivers are headed towards a premium decrease or increase.

No, Belair Insurance Company Inc. only receives information to detect if you're using your phone while driving. Your phone calls will never be tracked or recorded.

Information about your driving habits and trips is only shared with TrueMotion, Inc., a mobile telematics company. We work with this service provider for the technology, systems, and services necessary to run Smarter ride. 

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.

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.

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.

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.

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?".