Save more with safe driving
Personalized premium
With Smarter ride, you can receive a customized insurance premium upon renewal for being a smarter driver.
Smart features
Access smart features to help keep you safe on the road like Crash Assist, Weather Alerts, Car Care, and more.
Driving tips and metrics
Receive personalized driving tips to help you drive smarter.
Smart drivers with safe driving habits could be rewarded and save on their car insurance. Drivers who take risks behind the wheel could see their premium increase1.
Safety
Increase your savings with safer driving by reducing your speed, practicing safe braking and acceleration habits, and focusing on the road.
Fuel efficiency
Improve your fuel efficiency and increase your gas savings.
Eco-driving
Reduce your climate impact with driving insights and tips to reduce your CO2 emissions.
Crash Assist
Receive emergency assistance if you’re involved in a crash and access user-friendly tools for filing a claim.
Car Care
Keep up to date on recalls that could impact your safety.
Weather Alerts
Weather updates to keep you safe and sound.
Activating Smarter ride is easy!
Download the Scotia Home & Auto Insurance App to activate customized pricing and user-friendly features. When you open the app, you’ll need to accept the Terms of Use and the permissions required to activate Smarter ride.
Browse our FAQs or consult our Terms of Use for Smarter ride.
®Scotia Insurance is a registered trademark of The Bank of Nova Scotia, used under license by BNS Insurance Agency Inc. (“BNSIA”). Scotia Home & Auto Insurance is arranged for by BNSIA. Home and auto policies are underwritten by Belair Insurance Company Inc., and services are provided by belairdirect Agency Inc. except in the province of Quebec where the services are provided by Belair Insurance Company Inc. (collectively “belairdirect”). We offer car insurance and home insurance in Alberta, Ontario, Quebec, New Brunswick, Nova Scotia, Newfoundland and Labrador and Prince Edward Island and home insurance only in British Columbia
®belairdirect is a registered trademark of Belair Insurance Company used under licence.
*Average proportion of drivers who achieved savings nationally. Smarter ride is only available in Alberta, Ontario and Quebec.
1 There are other factors than your participation in Smarter ride that are used to determine your premium and may cause your premium to increase or decrease when your car insurance is renewed. Certain conditions and limitations apply. Please consult the Terms of Use of the Smarter ride program.
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