Canada Post service disruption is in effect. Manage your renewal, payments, claims, and view your insurance documents, including your new pink slip here.
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.
What should I do if a police officer does not accept my digital proof of insurance?
The digital version of your proof of insurance is valid in Quebec, Ontario, Alberta, Nova Scotia, New Brunswick, Northwest Territories, Yukon, Prince Edward Island, Newfoundland and Labrador. If necessary, a police officer can confirm your coverage by calling 1-833-223-8740.
You can also email your digital proof of insurance to law enforcement if required.
We recommend that you always keep a paper copy of your proof of insurance in your vehicle when travelling outside the province, country or to share with other drivers and law enforcement.
How will my personalized premium apply if I have more than one car and more than one driver on my car insurance?
We will adjust the premium to insure your car based on your driving habits.
We will also adjust the premium to insure the cars of other Enrolled Drivers on your insurance policy based on their driving habits.
There will be no Adjustment for principal drivers on your car insurance policy who are not enrolled in Smarter ride.
For Example:
There are two cars on the same insurance policy, and both drivers are enrolled in Smarter ride: The premium for each car will be adjusted according to the driving habits of that car’s Enrolled Driver.
There are two cars on the same insurance policy, but only one driver is enrolled in Smarter ride: The price will be adjusted for only one car according to the driving habits of that car’s Enrolled Driver.
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.
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.
If someone else drives my car, how do I share my digital proof of insurance with them?
Only policyholders* can access the digital proof of insurance through the app.
If you have an iPhone, you can use the Wallet app. Select the three-dot menu to access the Share feature. You can also use AirDrop, iMessage, or email to share a PDF of your proof of insurance.
If you have an Android device, select the PDF button at the bottom of your digital proof of insurance and share it by email.
*A policyholder is the person who has purchased and owns the insurance policy.
Can I use my digital proof of insurance instead of the paper version?
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.
What happens if my phone is damaged when I share my digital proof of insurance?
If you choose to use digital proof of insurance, you're responsible for any risks that may arise, such as damage to your phone by a third party, including a police officer.
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