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Ajusto program

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Drive safe and save with Ajusto

Drive safe and save with Ajusto
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1-888-277-8726

I'm already insured with Desjardins Insurance and I want to sign up for the Ajusto program on smartphone

Fill in the online sign-up form - This link will open in a new window.

Program

What is the AjustoTM program?

It's a usage based insurance program that's now available as a mobile app. Get all the benefits of the Ajusto program in the palm of your hand!

Drive safe and save with Ajusto

Added on March 26, 2015

Drive safe
and save with Ajusto
(2 min 27 s)

You can try the Ajusto app, even if you're not a Desjardins Insurance customer yet. Here's how:

Enroll now

To get all the advantages of the Ajusto program, you need:

  • An auto insurance policy with Desjardins Insurance
  • A smartphone (iPhone or Android device) that's no more than 3 years old—The Ajusto app is compatible with iOS 7 or later and Android 4 or later.
  • A data plan to allow the app to collect accurate data. Note that the Ajusto app consumes only small amounts of data.

For Android device users: log onto Google Play before signing up for Ajusto. If you see the Ajusto app in Google Play then your phone is compatible. If you can't see the Ajusto app then your phone doesn't have all the features needed to run Ajusto.

You're not a Desjardins Insurance customer and you want to take a test drive? Get the Ajusto app trial version. It has the same features and advantages as the client version, except for the auto insurance renewal savings. So before signing up, you can download the 90-day trial. It lets you track your driving data, so you can see how you compare to other drivers and connect to your friends.

Try the Ajusto app – Learn all about the advantages of Desjardins Insurance!

The Ajusto program is optional and free. Your driving data will never lead to penalties or premium increases. Desjardins Insurance believes that telematics is a great way for everyone to improve their driving and make the roads safer.

If you don't have a smartphone, the Ajusto program is available with a telematics device. You can still save up to 25% on your auto insurance premium at renewal. Interested? Learn more - External link. This link will open in a new window.

Free trial

Try the Ajusto app and see for yourself!

Try the Ajusto app for 90 days to find out how much you could save if you insured your car with Desjardins Insurance.

Download the free trial version from the App Store - External link. This link will open in a new window. or Google Play - External link. This link will open in a new window., and drive! If you decide you love it and want to sign up for the Ajusto program after the trial, just contact one of our P&C insurance agents and start tracking your savings! Driving data collected during the trial will be deleted, and you'll start fresh. Your trial data won't be used to calculate your score or savings, but the rest of your information will be saved, including your friends.

Try the Ajusto app – Learn all about the advantages of Desjardins Insurance!

Sign up for the Ajusto program now. Simply get a quote online - External link. This link will open in a new window. or call us at 1-888-277-8726!

App

Download the app—it's free and there's no obligation

Ready to start saving even more on your car insurance? It's easy with Desjardins Insurance—become a client, add the Ajusto program to your policy and download the app!

You can access your driving habits after 5 trips behind the wheel. Trips details are displayed on a map to give you a clear picture. Let the Ajusto app help you monitor and improve your driving habits and see your savings grow!

Détail de mon trajet

Ajusto comes with a range of fun features:

- Compare your driving habits with your friends and other Ajusto app users.

- Challenge Ajusto users to beat your ranking and try to top the leaderboard.

- Use Facebook and Twitter to share your score and invite your friends to learn more about their driving habits.

To sign up for the Ajusto program, you need a smartphone (iPhone or Android device) that's no more than 3 years old—Ajusto is compatible with iOS 7 or later and Android 4 or later and a data plan.

Try the Ajusto app – Learn all about the advantages of Desjardins Insurance!

Sign up for the Ajusto program now. Simply get a quote online - External link. This link will open in a new window. or call us at 1-888-277-8726!

Score and savings

Save up to 25% on your auto insurance renewal!

The free Ajusto app makes it easy to track and improve your driving habits, so you can increase your score and save. Your score and driving data will never be used to apply penalties or premium increases.

The Ajusto app lets you analyze your driving habits for every trip and see your trips on a map and get your score, which is calculated based on:

  1. Driving smoothness
    Cut down on fast acceleration, hard braking and hard cornering and your score goes up! Sure, there are times when you need to brake hard to avoid an accident. That's why Desjardins Insurance calculates your score based on an overall picture of your driving, and not on a single event.
  2. Speed
    Respecting the speed limit decreases the risk of an accident and helps improve road safety. That being said, the parameters of the new Ajusto app have been set to allow a small margin over the legal speed limit (between 10 and 15 km/h according to the posted limit), without compromising the safety values Desjardins Insurance wants to promote with its Ajusto program. To maximize your score and, by extension your discount, drive at a safe speed!
  3. Time of day travelled
    Certain times of the day are riskier than others. For instance, when you drive at night, everyone on the road is affected by tiredness and slower reflexes, or when you drive during rush hours, when the number of drivers on the road is higher. Ajusto associates a level of risk with different times of the day. For a higher score, try to avoid driving during high-risk periods.
  4. Distance travelled
    The less you drive, the less likely you are to have an accident. It's as simple as that! You deserve a reward from your insurer for driving less: a higher score and more savings!

Together, this information gives you your driver profile. Use it to analyze your driving habits and make changes to improve your score. The higher your score, the more you save on your auto insurance premium!

When you renew, your score is converted into auto insurance savings. See how Desjardins Insurance calculates your savings:

Score Savings at renewal
0 to 60 0%
61 to 63 1%
64 to 66 2%
67 to 69 3%
70 4%
71 5%
72 6%
73 7%
74 8%
75 9%
76 10%
77 11%
78 12%
Score Savings at renewal
79 13%
80 14%
81 15%
82 16%
83 17%
84 18%
85 19%
86 and 87 20%
88 and 89 21%
90 and 91 22%
92 and 93 23%
94 to 96 24%
97 and up 25%

Try the Ajusto app – We think you'll love the Desjardins Insurance advantages!

Sign up for the Ajusto program now. Simply get a quote online - External link. This link will open in a new window. or call us at 1-888-277-8726!

Sign up

Download, drive safe and save with the Ajusto program!

Want to learn about your own driving habits, make our roads safer and get rewarded for being a careful driver? Sign up for the Ajusto program to discover all the advantages of the first 100% mobile telematics insurance program in Canada!

To sign up for the Ajusto program, you need:

  • An auto insurance policy from Desjardins Insurance
  • A smartphone (iPhone or Android device) that's no more than 3 years old—Ajusto is compatible with iOS 7 or later and Android 4 or later.
  • A data plan to allow the app to collect accurate data. Note that the Ajusto app consumes only small amounts of data.

For Android device users: log onto Google Play before signing up for Ajusto. If you see the Ajusto app in Google Play then your phone is compatible. If you can't see the Ajusto app then your phone doesn't have all the features needed to run Ajusto.

You're already insured with Desjardins Insurance and you want to sign up for Ajusto on smartphone? Simply fill out this short online form - External link. This link will open in a new window. and you'll be signed up automatically!

Once you've signed up, download the app onto your smartphone, create your profile and you're done! You can start monitoring your driving habits after 5 trips behind the wheel.

Try the Ajusto app – We're sure you'll love all the advantages you get with Desjardins Insurance!

Sign up for the Ajusto program now. Simply get a quote online - External link. This link will open in a new window. or call us at 1-888-277-8726!

Frequently asked questions about the Ajusto program

Frequently asked questions about the Ajusto program

Program

Ajusto is an insurance program that's completely voluntary and free. It uses telematics to help you save on your auto insurance. Based on your driving habits, you could receive additional savings of up to 25% on your auto insurance premium on renewal! Your Ajusto data will ONLY be used to calculate additional savings for you.

If you're insured with Desjardins Insurance, you own a newer model iPhone or Android device (less than 3 years old) and you have a data plan, you can sign up for the Ajusto program. The Ajusto app is compatible with Apple iOS 7 or higher and Google Android 4 or higher. For Android device users: log onto Google Play before signing up for Ajusto. If you see the Ajusto app in Google Play then your phone is compatible. If you can't see the Ajusto app then your phone doesn't have all the features needed to run Ajusto.

To sign up for the Ajusto program, you need a newer model iPhone or Android device (less than 3 years old) and a data plan. The Ajusto app is compatible with Apple iOS 7 or higher and Google Android 4 or higher. For Android device users: log onto Google Play before signing up for Ajusto. If you see the Ajusto app in Google Play then your phone is compatible. If you can't see the Ajusto app then your phone doesn't have all the features needed to run Ajusto.

Please note the Ajusto app is not available on tablet.

Yes, to allow the app to collect accurate data. However, the app only consumes small amounts of data.

If your car insurance renewal is in less than 60 days, download the app from the App Store - External link. This link will open in a new window.© or Google Play - External link. This link will open in a new window.TM, fill out this online form - External link. This link will open in a new window. and you'll be signed up automatically when you renew your policy. We'll send you an email confirming that you've signed up.

If your car insurance renewal is in more than 60 days, we recommend that you wait so you can benefit from the best savings the Ajusto program can offer you.

The Ajusto program and app are completely free.

The Ajusto program with telematics device is still available. Interested? Learn more - External link. This link will open in a new window.

Yes. To try the Ajusto app for 90 days, simply download the trial version. To use the app, you need a newer model smartphone (less than 3 years old) and a data plan. The Ajusto app is compatible with Apple iOS 7 or higher and Google Android 4 or higher.

The trial version offers the same features as the full client version, except that you won't qualify for savings on your auto insurance premium when you renew.

The trial version can be used for no more than 90 days. If you decide to sign up for the Ajusto program afterwards, your driving data will be deleted and will not be used to calculate your score or savings. However, all other information will be saved, including the app's list of your friends.

To become a client and take full advantage of the Ajusto program, call us at 1-888-277-8726. If you'd like to try the app first, download the Desjardins Insurance Ajusto app from the App Store - External link. This link will open in a new window. or Google Play - External link. This link will open in a new window..

Call us and let the P&C insurance agent know you want to sign up for the Ajusto program on smartphone.

No. The Ajusto program won't increase your insurance premium. But it can help you save more on your auto insurance renewal. Your premium won't go up because of the data collected on driving habits for your vehicle. At renewal, your premium will be calculated, based on the usual insurance rules. Remember that there are a number of other factors that can impact your overall premium, including at-fault accidents or traffic convictions that may occur during the policy term.

You can save up to an additional 25% on your auto insurance premium at renewal, as long as the principal driver downloaded and activated the app at least 160 days ago, and as long as he or she has travelled at least 1,000 km

The application collects and analyzes driving data listed below. Desjardins Insurance uses this information to calculate a score that will be turned into savings on your auto insurance renewal.

Driving smoothness

The application uses 3 criteria to determine driving smoothness: fast acceleration, hard braking and hard cornering.

Speed

Respecting the speed limit decreases the risk of an accident and helps improve road safety. That being said, the parameters of the new Ajusto app have been set to allow a small margin over the legal speed limit (between 10 and 15 km/h according to the posted limit), without compromising the safety values Desjardins Insurance wants to promote with its Ajusto program. To maximize your score and, by extension your discount, drive at a safe speed!

Time of day travelled

The risk of an accident is higher at certain times of the day. For instance, driving at night is considered more risky than driving during the day because of driver fatigue and reduced visibility. The application associates a level of risk with different times of day.

Distance travelled

The less you drive, the more you save. Shorter trips pay off because they increase your score!

Your score is updated every 24 hours. It's based on a general picture of your driving, so a single event won't have a direct impact on your score Desjardins Insurance analyzes the overall trends in your driving habits to calculate your score.

The following table shows the savings associated with different scores:

Score Savings at renewal
0 to 60 0%
61 to 63 1%
64 to 66 2%
67 to 69 3%
70 4%
71 5%
72 6%
73 7%
74 8%
75 9%
76 10%
77 11%
78 12%
Score Savings at renewal
79 13%
80 14%
81 15%
82 16%
83 17%
84 18%
85 19%
86 and 87 20%
88 and 89 21%
90 and 91 22%
92 and 93 23%
94 to 96 24%
97 and up 25%

Once you have recorded 5 trips as a driver, you can check the app to view your score and learn more about your driving habits. Desjardins Insurance uses this score to offer you savings on your auto insurance premium at renewal.

Each month, you'll receive an email with the individual scores of all the drivers on the insurance policy who have also downloaded and are using the Ajusto app, the overall score (which includes the score of each driver), and your estimated annual savings.

You can cancel the Ajusto program at any time, without penalty, by calling us at 1-888-277-8726. Remember that deleting the app from your phone will not cancel your enrollment.

If you cancel the Ajusto program, the discount will also be cancelled. You must remain enrolled in the program to receive the Ajusto discount.

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Client

Even if you are already insured with Desjardins Insurance, you can still sign up for the Ajusto program and potentially save even more on your auto insurance.

To find out how the Ajusto program can save you money, download the app from the App Store - External link. This link will open in a new window.© or Google Play - External link. This link will open in a new window.TM, fill out this online form - External link. This link will open in a new window. and you'll be signed up automatically. We'll send you an email confirming that you've signed up.

The app records:

  • Vehicle location (GPS)
  • Accelerometer data (which measures accelerations) and gyroscope data (which measures rotational movements)
  • Time
  • Application power on/off

All your driving data of the last 30 days and your score will be displayed in the Ajusto app. You can use the app to view your trip summaries, get your score and see how you compare with other Ajusto app users.

As an Ajusto app user, you should make sure your phone's battery is charged when you're driving so the application can collect data. If the battery is too low, no data will be collected.

Most of the time, the app will automatically detect if you're the driver or a passenger of a car by analyzing your trip. However, if you weren't driving and the application did not detect it, simply indicate it in the app for the trip in question. Remember that the map doesn't show every detail of a trip. It only identifies the most significant events.

No. Only the principal driver of the vehicle indicated in the insurance policy of the vehicle needs to use the Ajusto app to enjoy savings. If there are other drivers with eligible smartphones and data plans, they can download the app too. This means the driving habits of all drivers of the vehicle will be taken into account to calculate the score and savings. The principal driver is responsible for 70% of the total score. The remaining 30% is affected by the score of all other drivers who have also downloaded and are using Ajusto.

Yes, if other drivers use the Ajusto app as well.

The principal driver is responsible for 70% of the total score, while the other 30% is affected by the score of all other drivers who have also downloaded and are using the Ajusto app.

No. Other drivers won't affect your savings, unless they're insured as a driver of your vehicle and they use the Ajusto app.

If you weren't driving and the application did not detect it, simply indicate it in the app for the trip in question.

By choosing to insure your car with Desjardins Insurance, you not only benefit from the potential savings offered by the Ajusto program, but you could also take advantage of the following offers:

Your situation Your savings
You are a Desjardins caisse member aged 25 and under
You are under 25 Up to 20%
You drive a fuel-efficient vehicle1 10%
You drive a hybrid vehicle 15%
You drive an electric vehicle 20%
You have had no traffic violations2 10%
You insure more than one vehicle
You insure your car and your home
You install a certified antitheft or tracking system4 40%
You insure your recreational vehicle and your car 10% off the RV insurance

Ajusto is underwritten by Desjardins General Insurance Inc.

® The Trouble-Free Option is a registered trademark of Desjardins General Insurance Group Inc.

  1. The discount for fuel-efficient vehicles is awarded based on criteria defined by Desjardins General Insurance Inc. using information provided by the "Fuel Consumption Guide" published by Natural Resources Canada - External link. This link will open in a new window..
  2. Drivers with no Highway Safety Code violations in the past 3 years are eligible for Zero Violations savings. Parking tickets are not taken into account when granting Zero Violations.
    The savings correspond to a percentage reduction granted on part or all of the premium, or on certain sections of your insurance policy. Parking tickets are not taken into account when granting the Zero Violations discount.
  3. Contact us for information about eligible systems.

Some conditions, exclusions and limitations apply.

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App

You'll receive permission requests from your phone's operating system once you've downloaded the app. You must accept these requests to use the app and benefit from it.

These permission requests will allow us to collect your driving data so that we can calculate your score, which will be turned into savings on your auto insurance renewal.

The Ajusto app allows you to access a lot of information on your driving habits:

My dashboard

Your dashboard shows your score, your last trip summary and the number of driving distractions recorded. If you weren't driving, you can indicate that you were a passenger in a car or you were using another means of transportation.

My trips

This section shows you all your trips and your score out of 100 for each of them. If you weren't driving, you can indicate that you were a passenger in a car or you were using another means of transportation. Please note that trips under 1 km will not appear in the app and will not be taken into account in the calculation of your score.

Trip summary

This section shows you a map where the main events are identified. Use the legend to analyze your trip. Remember that it doesn't show every detail of a trip—only the most significant events are displayed on the map.

Driving distractions

Your dashboard displays driving distractions, which are recorded when your phone is moved for more than 5 seconds while you're driving and your phone screen is open. This section shows the number of consecutive trips when you didn't use your phone. This information doesn't affect your score and won't be used to calculate your savings. However, we want to raise awareness of the risks associated with using a cellphone while behind the wheel. We believe it can help contribute to safer roads and driving habits.

Leaderboard

The Leaderboard lets you compare your score with other Ajusto app users and with your friends. You can create your own list of friends, see their scores and compare your ranking.

My friends

Use this section to see how your driving habits compare to those of other Ajusto app users. You can use your personal address book or Facebook to invite friends. Once your friends accept your invitation, you can start comparing results.

All trips are saved and then analyzed. Depending on your Wi-Fi selection in your account settings, the data will be uploaded once your trip ends or once you enter a Wi-Fi zone.

Your driving style is as personal as your fingerprints. And because no one drives quite the way you do, the app can detect whether you're driving on a particular trip.

You can compare your driving habits with those of friends you've added in the My friends section. You can also compare your results with those of all Ajusto app users.

If your friends are already Ajusto app users, you can compare your scores once they accept your friend request.

If your friends don't use the Ajusto app, you can send them a message suggesting they download the app to compare your scores.

Yes. The Ajusto app has an effect on the battery. The effect varies from one telephone model to another, but battery consumption is highest when the app uses the GPS. If your phone's charge is too low, the Ajusto app will not start up or will stop collecting data if you're driving, as we don't want to drain your phone's battery recording trips. We are actively working to reduce the effect of the app on your battery consumption.

Remember to make sure your phone is switched on and the battery is charged so that trip data can be collected.

Deleting the app from your phone won't cancel your enrollment, because the collected data will be held in your file for a year.

If you want to stop using the Ajusto app and cancel your enrollment, first call 1-888-277-8726 and we'll remove the program from your auto insurance policy. You can then delete the app from your phone.

If you deleted the Ajusto app from your phone for another reason, simply download the app again and you can pick up where you left off.

You can download the Desjardins Insurance Ajusto app from the App Store - External link. This link will open in a new window. or Google Play - External link. This link will open in a new window..

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Installation

Once you've signed up, the named insured will receive an activation email explaining the next steps, the links to download the app and the activation code. You can download the Desjardins Insurance Ajusto app from the App Store - External link. This link will open in a new window. or Google Play - External link. This link will open in a new window..

It's probably because the Ajusto app isn't compatible with your smartphone model or your phone's operating system. The Ajusto app is compatible with Apple iOS 7 or higher and Google Android 4 or higher.

For Android device users: log onto Google Play before signing up for Ajusto. If you see the Ajusto app in Google Play then your phone is compatible. If you can't see the Ajusto app then your phone doesn't have all the features needed to run Ajusto.

Try updating your operating system, and then returning to the App Store or Google Play to see if the Ajusto app is available. If you still can't see the app, please call us at 1-888-277-8726 to remove the Ajusto program from your auto insurance policy.

The Ajusto app isn't compatible with the following operating systems:

  • Windows Phone
  • BlackBerry,
  • Firefox OS
  • Sailfish OS
  • lTizen
  • Ubuntu Touch
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Privacy

At Desjardins Insurance, respecting your privacy is an important part of our commitment to providing service excellence. We're committed to protecting your privacy, and we understand that you may have concerns about how we use the collected data. Your personal information is completely confidential. It will not be disclosed to third parties, except where required by law.

Read the Ajusto program terms and conditions (PDF).

The Ajusto app only collects your name, date of birth, email and driving data. This information is used by Cambridge Mobile Telematics (CMT), a partner of Desjardins Insurance for the Ajusto program, to provide usage-based insurance services. CMT will not otherwise use personal information, or disclose or transfer personal information to any third party except if required by law.

The identifying information will only be used by us to link the data received by CMT to the enrolled driver(s) and vehicle(s) on the insurance policy.

The following data will be used to calculate your savings on your auto insurance policy renewal:

  • Driving smoothness (fast acceleration, hard braking and hard cornering)
  • Speed
  • Time of day travelled
  • Distance travelled

The collected data will not be used to change your premium during your current policy term, or to cancel your policy, or to refuse to renew your policy, or to increase your premium on renewal or to confirm rating criteria currently used (for example, where vehicle is principally garaged, distance driven, pleasure/commute/business use).

We will not sell or communicate the collected data to any third party except if required by law. We will not use the collected data to your prejudice regarding an insurance claim you have with us or in any claim that is brought against you.

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Privacy

At Desjardins Insurance, we're committed to keeping your personal information secure and confidential.

To find out more about how your personal information is managed, please read the Ajusto program terms and conditions (PDF)

The Desjardins Insurance Ajusto application is compatible with iPhone or Android smartphones that are less than three years old. If you are unable to view the application, your phone is most likely incompatible. Please call a P&C insurance agent at 1-888-277-8726.

The savings correspond to a percentage based on the majority of the premium. Please note that the savings will automatically be applied to the premium at renewal. Certain conditions and restrictions may apply.

Ajusto is underwritten by Desjardins Insurance, which refers to Desjardins General Insurance Inc.

TM Ajusto is a trademark of Desjardins General Insurance Inc.

Apple and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc.

Google Play is a trademark of Google inc.

Contest

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Select your favourite car, answer simple questions, play fun and interactive games, accumulate Ajusto points and get a chance to win everything you’ll need for your road trip dream vacation!

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