Help & Support
What driving habits are displayed in the App?
Smarter ride helps you drive safer by using your driving data to explain driving habits such as:
- speed (whether or not you follow the speed limit)
- smoothness (if you brake hard or take sharp turns)
- focus (if you use your phone while driving)
The App will also provide you with an overview of your driving. If you're generally a safe driver, your premium could decrease. However, if you take risks on the road, you can expect your premium to increase.
For more details, go to the Smarter ride section of the Servus Insurance Services - Home and Auto App and check the "Make every trip count" feature:
- Far right of the green half of the gauge, you could see a decrease in premium between 10% and 25%.
- Middle of the gauge, your premium could fluctuate slightly up or down between 1% and 10%, or there could be no change (0%).
- Far left of the orange half of the gauge, you could see an increase in premium between 10% and 25%.
This is just an example of what your personalized premium Adjustment could be. As a result, we make no representations about the accuracy of the example. Several factors are taken into account to calculate your premium other than your participation in Smarter ride, which increases or decreases when your insurance is renewed.
Check the App regularly to help improve your driving.
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Related questions
- Can I access my digital proof of insurance from the Client Centre instead of the app?
- Can I cancel my registration for Smarter ride at any time?
- Can I enrol multiple vehicles from separate automobile insurance policies?
- Can I join Smarter ride if I'm an Uber, Lyft, or commercial driver?
- Can I use assistance options even if Crash Assist has not detected an accident?
- Can I use my digital proof of insurance instead of the paper version?
- Can I use my digital proof of insurance outside of my province or Canada?
- Can other drivers on my car insurance join Smarter ride?
- Can other drivers on my car insurance see my trips and driving habits?
- Can Smarter ride increase the price of my car insurance?
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Servus Insurance Services | Home and Auto ("SISHA") is a tradename for belairdirect Agency Inc., used under license, and is not a subsidiary of Servus Credit Union. This is not a solicitation by Servus Credit Union. Home and auto insurance is underwritten by Belair Insurance Company Inc. Services provided by belairdirect Agency Inc. ®belairdirect is a registered trademark of Belair Insurance Company used under licence.