For Alberta, Ontario and Quebec:
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.
For Nova Scotia:
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, this program assesses your driving habits using your phone's GPS and motion sensors to offer you a personalized premium at renewal (the “Adjustment”).
This program ensures fairer pricing by linking your premium to your driving habits, meaning that driving safely may give you a discount on your premium at renewal and that taking risks on the road may increase it instead. Subject to regulatory approval, maximum premium adjustments can vary over time without notice and range between a 40% discount for remarkably safe driving and surcharges of up to 80% for rare cases of extremely risky driving. Premium adjustments will be applied at your next renewal, where you will have the opportunity to review your policy.
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