Help & Support
What is Smarter ride, and how does it work?
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 Servus Insurance Services - Home and Auto App, 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.
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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.