Ajusto program

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Ajusto gives you a more personalized premium based on your driving!


How does Ajusto work?


Ajusto is a program available in the Desjardins Insurance Home-Auto app.

When you sign up for the program, you’ll get a 10% enrolment discount on your auto insurance for the first 6 months. After that, you get a personalized premium, which goes up or down depending on your driving.

Good to know: nearly 85% of our Ajusto clients are on track to qualify for a better premium.1

If you already have auto insurance with us, download the free app and activate Ajusto. You'll get personalized feedback on your driving and see a score after 5 trips. To calculate your score, Ajusto measures 4 behaviours:

  • Cellphone distractions
  • Speed
  • Fast acceleration
  • Hard braking

Ajusto also considers your driving habits—the distance you drive, your time in the car and your daily routine are factored into your score.

Most road accidents happen because of speeding and distracteddriving.WithAjusto,our goal is toimprove road safety byencouraging and rewarding safe driving.

Score and personalized premium

How does Ajusto personalize my score?

After180 days andat least1,000 km of driving,2youget a score based on your driving behaviour and habitsthat influencesyourauto insurancepremium.

  • If your score is 60 or more: you may see your premium go down by as much as 25%, thanks to your careful driving.
  • If your score is 60 or less: your premium may increase by as much as 20% if your driving style is riskier.

Then,every time you renew your auto insurance policy,your premiumis based on your drivinginthepast6 months.

  • Your premium is also based on traditionalratingfactors (yourvehicle’smodel and year, drivingconvictions and claims on file.)

Good to know: nearly 85% of our Ajusto clients are on track to qualify for a better premium.1

Is Ajustorightfor you?

  • Safe driving comes naturally to you!
  • You’re open to usingAjustoon your smartphone.
  • You like the idea that your good driving is finallybeingrecognized with a personalized premium.
  • You want to help make the roads safer by putting the tips in the app into practice.

Congratulations, this program is for you!

Take control of your auto insurance premium.

Sign up for Ajusto today!

Sign up

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

To sign up for Ajusto and get a 10% enrolment discount on your auto insurance for the first 6 months, you’ll need to:

  • Be the vehicle’s principal driver and have an auto insurance policy with Desjardins Insurance
  • Have an iPhone or Android smartphone with GPS, an accelerometer and a gyroscope

Is your vehicle already insured with us? Simply download the Desjardins Insurance Home-Auto app and sign up for Ajusto—it’s free!

Download the app today!

Ajusto is all about your driving behaviour and habits. Drive safely and you could save on your auto insurance!


At Desjardins Insurance, we're committed to respecting our clients’ right to privacy.

To find out how your personal information is managed, please read our Management and protection of personal information policy for mobile application users - External link. This link will open in a new window. and the Ajusto program terms and conditions - External link. This link will open in a new window. .

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

® Ajusto is a registered trademark of Desjardins General Insurance Inc.

Apple, the Apple logo and iPhone 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, Google Play logo and Android are trademarks of Google LLC.

Certain conditions, exclusions and limitations may apply.

Thediscount and thepersonalized premium do not apply to certain endorsementsoradditional coverages. Learn more

1.Based on the scores of all clients of the insurance subsidiaries of Desjardins General Insurance Group Inc. in their first data collection period, under our new Ajusto program (as of October1, 2021).

2.The usage period is 180 days and must include at least1,000kilometres driven.During this time, the principal driver must not remain inactive formore than 30 consecutive days.

If you decide tooptout of Ajusto beforeyour first 6 months are up:

  • You’lllose your 10% enrolment discount.
  • If your score is 60 or less, it’ll be used to calculate your premium the next time you renew your insurance.
  • If you’ve driven less than1,000 km,none of your data will be used to calculate your insurance premium.