Help & Support
How do you personalize my price?
Your automobile insurance premium will be adjusted upon each renewal of your policy, if eligible, based on a variety of driving events, such as:
- number of trips were you the driver;
- duration of trip;
- hard braking;
- rapid acceleration;
- cornering and turns;
- kilometres driven, and,
- distracted driving (e.g., using your smartphone while driving).
The above events represent part of your "Collected Data".
These driving habits will be assessed and contextualized based on various factors, such as:
- severity of the event (how far above the speed limit you drive)
- speed at which event was registered
- time of day and day of the week you drive
- driving and road conditions
- total distance driven (if we do not collect sufficient data to assess your driving habits, you may not be entitled to an Adjustment, or the Adjustment you receive might have a lesser impact on your price at renewal)
- previous Collected Data
- road types (highway, urban or rural)
- left or right turns
- traditional rating factors (e.g., age and region).
This information is reviewed to offer you a personalized premium and allows you to influence your car insurance premiums.
As long as the App has enough data on your driving habits (you drove 500 kilometres or more), we can apply your premium Adjustment when your car insurance is renewed. If you didn't drive 500 kilometres or more, you might not receive a premium Adjustment, or the Adjustment may have less impact on your premium than expected. We will take your trips into account as soon as you start driving again. The more you drive, the more significant your premium Adjustments will be. For example, someone who completed 500 kilometres of good driving and then turns off their App will not receive the same premium adjustment as someone who drives 5,000 or 10,000 kilometres with their App capturing all their trips.
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Related questions
- 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 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?
- Can the police access my driving data if I have a car accident?
- Do I need a data plan?
- Do you track my phone calls?
- How can I see how my driving affects the price of my 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.