Drive smart, save more!

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.

Joining Smarter ride is quick and easy. If you're already a client, download the Servus Insurance Services - Home and Auto App and accept the Terms of Use. Visit https://servus-homeauto.ca/smarter-ride for more details.

Not all principal drivers on your policy need to join Smarter ride, and we'll only adjust the premium of your insurance for the car(s) that have Enrolled Drivers. 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%. Contact us at 1-833-986-0737 to add another driver on your car insurance to Smarter ride.

If you or another Enrolled Driver cancels your participation in Smarter ride, we'll still use the previously saved driving data to adjust your premium. You can join again as long as you still meet Smarter ride 's eligibility criteria. If Servus Insurance Services - Home and Auto ended your participation in Smarter ride for misuse of the App, you can only join again at Servus Insurance Services - Home and Auto’s discretion. Contact us 1-833-986-0737 to discuss re-enrollment.

It's a one-time discount of 5% that's applied to the premium of your car insurance once you activate in Smarter ride. This discount is only for new customers to Servus Insurance Services - Home and Auto who activate Smarter ride, and you will benefit from it until your car insurance policy is renewed. Then, this discount is replaced by your personalized premium based on your driving habits.

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.

The online services give you access to your insurance anytime, anywhere. They provide unlimited access to view your insurance documents and online claims. Plus, you chose to receive all your documents electronically. Make your life easier with our online services. There’s even more in the app!

You must complete your registration within 15 days of the activation date. Otherwise, we could cancel your enrolment, and if an activation discount is present, it would be removed.