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The Client Centre is an online access to your insurance. You can review your insurance info, make payments, file a claim access your insurance documents and proofs from any device. It is easy to use and secure.
How to print a copy of my proof of insurance?
If you need to print your proof of insurance, download the PDF version available in the app or your Client Centre account. Print it in colour on white paper to make sure all the information is clear and legible. We recommend that you always keep a paper copy of your proof of insurance in your vehicle when travelling outside the province or to share with other drivers and law enforcement.
Why is the starting point of my trip not my actual location?
You need to start driving for the App to determine the starting point of your trip. As a result, there's a delay of 300 metres before it can detect movement and pinpoint your location.
What happens to my personalized premium if my car is in storage?
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.
What is Smarter ride, and how does it work?
Smarter ride gives you control over how much you pay for car insurance based on how safe you drive and how many trips you make. Available through the Scotia Home & Auto Insurance App in the Ontario and Quebec provinces, Smarter ride assesses your driving habits using your phone's GPS and motion sensors to offer you a personalized premium at renewal (the “Adjustment”). 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% upon each renewal.
Even if you're not the policyholder of the car insurance policy, any or all principal drivers on the policy can still enroll in Smarter ride with the policyholder’s authorization. Adjustments to the premium of each car on your policy will be based on the driving habits of the Enrolled Driver(s). If you or another Enrolled Driver unenrolls or is removed from Smarter ride, we'll still use the previously saved driving data to adjust your premium.
How can I download the app?
In order to download the app, please visit the App Store on your iPhone or the Google Play store on Android and search for “Scotia Insurance Home and Auto”. Select the Scotia Insurance Home & Auto App and proceed to downloading it. Once it’s loaded on your phone, simply select it and get started!
Can I use my digital proof of insurance outside of my province or Canada?
Digital proof of insurance is valid in most Canadian provinces: Quebec, Ontario, Alberta, Nova Scotia, New Brunswick, Northwest Territories, Yukon, Prince Edward Island, Newfoundland and Labrador. And in most of the United States.
Please print the paper version of your proof of auto insurance when travelling outside of your province or country.
I wasn’t the driver. How do I change my trip summary?
Follow these steps if a trip is incorrectly identified. Go to “Trip summary” and select edit to change your status in the “About this trip” section within 30 days of completing the trip. You can also contact us if you need to correct any other information in the App.
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