Help & Support - Online Services

When you add the widget to your Android device or use the Wallet app, you can access your digital proof of insurance even when you're offline. 

When you renew or change your insurance policy, it takes a maximum of one business day before you see the changes in the app and Android widget.

If you're using the Wallet app, you need to update it with your new proof of insurance. Go to the app homepage and tap the quick link at the top of the screen to add your new pink slip.

Depending on your phone's settings, the Scotia Home & Auto Insurance App will update automatically or prompt you to confirm the update. You will then need to accept the Terms of Use. If you don't have the Scotia Home & Auto Insurance App, you can download it for free from the App Store or Google Play, sign up and accept the Terms of Use.

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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.

Go to https://home-auto.scotiainsurance.com/privacy to view our privacy policy.

Yes, it's available for mobile phones with iOS 14 and above, and Android 8.0 and above.

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.

The App needs access to your phone's location for Smarter ride to work. It allows us to detect the start of a trip, whether you're the driver or a passenger and driving habits, such as changes in speed.

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.