Help & Support - Online Services

The App uses your iPhone's motion and fitness data to access your phone's motion sensors (accelerometer and gyroscope). The accelerometer measures acceleration and helps us determine how fast your phone is moving. As for the gyroscope, it detects which direction your phone is heading.

Tap on “Enable/Disable Crash Assist” under your Scotia Home & Auto Insurance App’s Assistance tab.

It's the driver's responsibility to have a valid proof of insurance at all times. Be prepared for the unexpected by keeping a paper copy in your vehicle.

The App uses the accelerometer and gyroscope of your phone's motion sensors. The accelerometer measures acceleration and helps us determine how fast your phone is moving. As for the gyroscope, it detects which direction your phone is heading. It also allows Smarter ride to detect distracted driving and connect you to 911 after a crash.

The App will display your driving badges for speed, smoothness and focus after each trip. The safe speed badge is earned by driving the speed limit at all times. The smoothness badge is earned for accelerating and braking smoothly. The focus badge is earned for distraction-free driving.

Earning all three badges for many of your trips could contribute to a price decrease when your insurance is renewed. When no driving badges are earned, the trips are considered risky driving and could contribute to increasing the price. A good or bad trip shouldn't significantly impact your price as we consider all your trips. Keep in mind that several other factors can affect your price adjustment other than the driving badges you earn. Check the App regularly to help improve your driving.

According to the example below, the driver used their phone on the road, so they only earned the safe speed and smoothness badges. If they don’t use their phone on their next trip, they could earn the focus badge.

There are a few reasons why a trip can't be detected:

• no internet connection
• battery is lower than 20%
• phone is in power-saving mode
• permission has been disabled
• App is not running in the background
• App is experiencing technical difficulties

Yes, you can always access all Crash Assist options from your Scotia Home & Auto Insurance App.

The names of all the drivers who are policyholders are listed on the digital proof of insurance in the app.

If you add your proof of insurance to the Wallet app, only the name of the person logged in will appear.

For drivers who are not the policyholder, you need to ask the car owner to share or print a PDF copy of their proof of insurance.