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Ajusto program

Member advantage: Exclusive advantage for members - External link. This link will open in a new window.

Free Aquapel rain-repellent treatment for policyholders with the Ajusto® mobile app

Are you a Desjardins caisse member and planning to insure your vehicle with us?

Sign up for the Ajusto mobile app and you can save up to 25% on your auto insurance premium at renewal, plus you'll get a free Aquapel windshield treatment from VitroPlus1—another advantage of being a Desjardins member!

Program

How does Ajusto work?

Ajusto® is an insurance program available in the Desjardins Insurance Home-Auto app.

Desjardins Insurance Home-Auto mobile app

Added September 20, 2017

Desjardins Insurance Home-Auto mobile app (47 s)

If you have auto insurance with us, download the free app from the App Store© - External link. This link will open in a new window. or Google PlayTM - External link. This link will open in a new window., and activate the Ajusto section. You'll get personalized feedback on your driving and see a score for each driving trip. To calculate your score, Ajusto measures:

  • Speed
  • Fast acceleration
  • Hard braking
  • Hard cornering

After each trip, you'll be able to see what influenced your score. Pay attention to these 4 driving habits every day and you'll see your score improve. Drive safely and you'll save on your auto insurance. Your trip analysis period is 100 days and 1,000 km and you're done—that's all Ajusto needs to calculate your final score. The number of kilometers and the time of day you drive are also factors Ajusto uses to determine your score. These two criteria don't affect your score as much because you can't always control when and how much you drive.

Ajusto is really just about you and the way you drive. Drive safely and you could save up to 25% on your auto insurance!

Score and savings

How does Ajusto calculate my score?

Ajusto helps you get an overall picture of the way you drive, by providing a score and personalized feedback after each trip. If you want to see what influenced your score during a particular trip, check the trip details. You can also use Ajusto medals to improve your driving—collect them and see your score go up!

To get your final score, you need to drive at least 1,000 kilometers in 100 days. Once you have your final score, your savings will be applied to your policy immediately—no more waiting until renewal time!

Here's a list of scores and discounts:

Score Discount
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 Discount
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%

No one's perfect

Your score is based on your overall driving and not on one-off events. So, if you have to slam on the breaks to let an ambulance pass or to avoid hitting a car that just cut you off on the highway, it won't affect your score.

Sign up

Download the Desjardins Insurance Home-Auto app and sign up for Ajusto today!

To sign up for Ajusto and get all the benefits, you need:

  • An auto insurance policy with Desjardins Insurance
  • An iPhone or Android smartphone that's less than three years old. Ajusto is compatible with Apple iOS 8 or higher and Google Android 4.4 or higher. Your smartphone must also have a GPS, accelerometer and gyroscope.

Once you've signed up, complete your 100-day and 1000-km trip analysis period to get your final score. Drive safely and you could save up to 25% on your auto insurance!

The Ajusto program is optional and free, and the data collected will never be used to penalize you. Your insurance premium can never go up as a result of Ajusto. Desjardins Insurance believes that with telematics, people can improve their driving and we can help make our roads safer.

Works on Apple Watch with an iPhone

Works on Apple Watch with an iPhone

Sign up for the Ajusto program now. Simply get a quote online - External link. This link will open in a new window., sign up in the app 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 a free and voluntary insurance program. It uses telematics to help you save on your car insurance. Based on your driving habits, you could get additional savings of up to 25% on your car insurance premium! Your Ajusto data will ONLY be used to calculate additional savings for you.

To sign up for Ajusto you must be insured with Desjardins Insurance and have a newer model iPhone or Android device (less than 3 years old). Ajusto is compatible with Apple iOS 8 or higher and Google Android 4.4 or higher.

To sign up for the Ajusto program, you need a newer model iPhone or Android device (less than 3 years old). Ajusto is compatible with Apple iOS 8 or higher and Google Android 4.4 or higher. Also, your smartphone must have a GPS, an accelerometer and a gyroscope.

Ajusto is not available on tablet.

No, you don't need a data plan to sign up for the Ajusto program.

There are 2 ways to sign up:

The Ajusto program is completely free.

No. The Ajusto program won't increase your insurance premium. But it can help you save more on your auto insurance premium after the trip analysis period. When you renew your insurance policy, your premium will be calculated using standard 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.

At the end of the trip analysis period, you'll find out if you're eligible for a discount on your insurance premium. You'll also see your driving results: number of trips, hours of driving, distance travelled and medals earned.

Yes, you can choose to continue getting feedback. Just bear in mind that once the trip analysis period is complete, your score and your discount won’t change. Future trips won’t be used to calculate a new discount, unless a new trip analysis is requested.

First, you need to complete the trip analysis period. This records your trips for 100 days and 1,000 km to get a realistic picture of your driving habits to calculate your final score. If you're eligible for a discount, it will be applied immediately to your car insurance premium.

If you pay for your premium in one payment, you'll receive your discount as a refund.

If you pay your premium through pre-authorized payments, your discount will be divided equally and applied to your remaining payments.

You keep your discount for as long as you're insured with us.

If you make changes that affect your auto insurance policy, like a change of vehicle or a change of address, we may ask you to do another trip analysis.

Ajusto analyzes how you drive. Once you’ve recorded trips for 100 days and you’ve travelled 1,000 km, Ajusto calculates your final score, which may be turned into savings.

Ajusto analyzes the following:

Driving smoothness
Ajusto measures 3 factors: fast acceleration, hard braking and sharp cornering. We know that there are times when you need to accelerate fast to let an ambulance through or to brake hard to avoid an accident. So it's good to know that your score isn't based on one-off events. Instead it's calculated on your driving profile as a whole.

Speed
Respecting the speed limit decreases the risk of an accident and helps improve road safety. That being said, the parameters of the app have been set to allow a small margin over the legal speed limit (between 10 and 15 km/h depending on the 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 level of risk is associated 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 after each trip. It’s based on a general picture of your driving, so a single event won’t have a direct impact on your score. We analyze the overall trends in your driving habits to calculate your score.

Medals are a great way to challenge yourself to be a better driver! Each medal has 4 levels of difficulty, so you can improve your driving at your own pace. When you earn a medal, simply tap it to claim it.

How your score converts into savings:

Score Savings
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
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%

Ajusto measures your trips for 100 days and a distance of at least 1,000 km. This is called the trip analysis period. At the end of the analysis, you'll get your overall driving results, your final score and your auto insurance discount.

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 your enrollment, you will no longer be eligible for Ajusto savings.

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Client

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

To find out how much you could save, add Ajusto in the Desjardins Insurance Home-Auto app.

The Ajusto section of the app records:

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

Open Ajusto in in the Desjardins Insurance Home-Auto app. It shows your score, your medals and your driving data for the last 30 days. You can also get a more detailed view of each trip and much more!

As an Ajusto 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 driving by analyzing your trip. However, if you weren't driving and the application did not detect it, you can correct the trip information in the Ajusto dashboard.

Remember that the map doesn't show every detail of a trip. It only identifies the most significant events.

No. Your discount isn’t affected when someone else drives your car.

If you weren’t driving and the application didn’t detect it, simply indicate it in the app for the trip in question.

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App

After downloading the app and activating the Ajusto section, your phone's operating system will send a location permission request. To use the app and enjoy the benefits, you must accept the request.

This permission request will allow us to collect your driving data so that we can calculate your score, which could be turned into savings at the end of the trip analysis period.

You can get a lot of information about your driving habits:

Ajusto
The dashboard shows your score and trip summaries. If you weren't driving and the app thinks you were, you can indicate that here. Each trip is rated out of 100 and your score is calculated individually for each trip. The dashboard also updates you with the remaining number of days (out of 100) and kilometres (out of 1,000) to get to your final score.

Note that trips under 1 km will not appear in the app and will not be taken into account to calculate your score.

Trip summary
Tap any trip in your dashboard to see more details. You can view a map identifying the main events of the trip and use the legend to help you analyze it. Remember that the map doesn't show every detail of a trip—only the most significant events.

Achievements
Track how many medals your great driving has earned you!

All trips are saved and then analyzed. This means there's a short delay before the data is available. Depending on your Wi-Fi selection in your account settings, the data will be uploaded at the end of trip or when you enter a Wi-Fi zone.

At the end of the trip analysis period, you can choose to stop recording your trips.

The application uses a predictive model to determine if you're driving. It's also how we determine what mode of transportation you're using. But if it turns out you weren't the driver or you used a different mode of transportation than the one detected, you can easily change your trip information in the app.

Yes. The Ajusto section of the Desjardins Insurance Home-Auto 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, Ajusto 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 Ajusto section 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 Ajusto 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 have to delete the 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 Home-Auto 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..

To use Ajusto on Apple Watch, you need to:

  1. Pair your watch and iPhone using the Apple Watch app. Apple Watch is compatible with iPhones 5 or later, operating on iOS 8.2 or on later versions.
  2. Download and install the Desjardins Insurance Home-Auto app on your phone and activate the Ajusto section. Then, make sure the app is activated on your phone's Apple Watch app.
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Installation

First, download the Desjardins Insurance Home-Auto 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..

Once you've signed up for Ajusto, we'll send you a text or email with your activation code. Follow the steps in the email and enter your activation code to activate Ajusto.

It's probably because the app isn't compatible with your smartphone model or your phone's operating system. The app is compatible with Apple iOS 8 or higher and Google Android 4.4 or higher.
The app isn't compatible with the following operating systems:

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

This is probably because your phone does not have the right functions to use Ajusto: a GPS, an accelerometer and a gyroscope.

If your phone has all these functions and you are still unable to activate Ajusto, please call us at1-888-277-8726 to remove the Ajusto program from your auto insurance policy.

Ajusto is not available on tablet.

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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) - External link. This link will open in a new window. Important: This PDF is intended for printing. It has not been optimized for screen readers..

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 increase 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.

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) - External link. This link will open in a new window. Important: This PDF is intended for printing. It has not been optimized for screen readers.

1. Certain conditions, exclusions and limitations may apply.

The Aquapel offer cannot be transferred or exchanged for another offer or for cash. It is available for Desjardins caisse members who have auto insurance with Desjardins Insurance, who are listed as the principal driver on the insurance policy, and who have signed up for the Ajusto program. The offer is valid only in regions where there is a VitroPlus shop that offers the Aquapel treatment. The quality and availability of the product that is offered remains the sole responsibility of the manufacturer.

Conditions, exclusions and limitations may apply.

Ajusto is underwritten by Desjardins General Insurance Inc. in Quebec, and by Certas Direct Insurance Company in Ontario.

®Ajusto is a registered trademark of Desjardins General Insurance Inc., used with permission by Certas Direct Insurance Company.

The discount does not apply to certain endorsements and additional coverages. Subject to the terms of use in effect at the time you signed up for Ajusto.

Apple, the Apple logo, iPhone and Apple Watch are registered trademarks of Apple Inc., registered in the United States and in other regions. App Store is a service mark of Apple Inc.

Google Play and Android are trademarks of Google Inc.

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