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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

What is the Ajusto® program?

It's a usage based insurance program that's available on the Desjardins Insurance Home-Auto mobile app. Get all the benefits of the Ajusto program in the palm of your hand!

Desjardins Insurance Home - Auto mobile app

Added on March 20, 2017

Desjardins Insurance Home - Auto mobile app (49 s)

You have auto insurance with Desjardins Insurance and want to sign up for Ajusto? Here's how:

  • Download the app
    Download the Desjardins Insurance Home-Auto 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., sign up for Ajusto directly in the app or by calling us, and start driving.
  • Monitor your driving
    With Ajusto, you can monitor your driving habits for every trip, right on your smartphone!
  • See your score
    Your score is calculated based on these four criteria: driving smoothness (fast acceleration, hard braking and hard cornering), speed, time of day travelled and distance travelled. Your score may be converted into savings on your auto insurance premium at renewal.
  • Enjoy potential savings
    Your score determines the potential savings you'll get on your auto insurance renewal. Each month, we'll email you with an estimate of your annual renewal savings. Monitor and improve your driving habits to boost your score, and your savings!

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 section of the app is compatible with iOS 8 or later and Android 4.4 or later.

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.

App

Sign up for Ajusto—it's free

Saving even more on your car insurance could be possible with Ajusto! It's easy with Desjardins Insurance—become a client, add the Ajusto program to your policy and download the Desjardins Insurance Home-Auto 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 Ajusto help you monitor and improve your driving habits. It could make you save!

Score breakdown

You can now view the Ajusto app on Apple Watch!

See your score and data from your last trip on Apple Watch:

Apple Watch

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 8 or later and Android 4.4 or later.

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!

Score and savings

You could save on your auto insurance renewal!

Ajusto makes it easy to track and improve your driving habits, so you can increase your score and you could save up to 25%. Your score and driving data will never be used to apply penalties or premium increases.

Ajusto 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 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 may be 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%

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!

Sign up

Download, drive safe and you could 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:

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), you can sign up for the Ajusto program. 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.

Please note Ajusto is not available on tablet.

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

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 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 Ajusto section of the app at least 160 days ago and driven at least 1,000 km

The app collects and analyzes driving data listed below. We use this information to calculate a score that will be turned into savings on your auto insurance renewal.

Driving smoothness

There are 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 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. A 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 Desjardins Insurance analyzes 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.

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, open the Ajusto section of the app to see your score and learn more about your driving habits. We use 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 participating in the Ajusto program, 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're 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, sign up directly in the Desjardins Insurance Home-Auto app or call one of our P&C insurance agents. They will be happy to assist you and explain how you could benefit from the Ajusto program. Our agents are available Monday to Friday, 8 a.m. to 8 p.m., and Saturday 8 a.m. to 4 p.m. at 1-888-277-8726.

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 section of the Desjardins Insurance Home-Auto app. You can use the app to view your trip summaries and get your driving score.

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 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 sign up for Ajusto to enjoy savings. If other drivers have eligible smartphones, they can sign up for the Ajusto program by downloading 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 participating to the Ajusto program.

Yes, if other drivers signed up to the Ajusto program as well.

The principal driver is responsible for 70% of the total score, while the other 30% is calculated based on the scores of all other drivers participating to the Ajusto program.

No. Other drivers won’t affect your savings, unless they’re insured as a driver of your vehicle and they participate in the Ajusto program.

If you weren’t driving and the application didn’t 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

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 should accept the request.

This permission request 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.

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. 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

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. Once the analysis is completed, after a short delay, the data will be uploaded. 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.

The application uses a predictive model to determine if you’re the driver or a passenger for a trip. 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 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..

To use Ajusto on Apple Watch, you need to:

  • Match 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.
  • Be sure to have the Desjardins Insurance Home-Auto app downloaded and installed on your phone and the Ajusto section activated. Then, activate the app on your phone’s Apple Watch app.
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Installation

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.. Once it’s done, simply log on to the app and follow the steps to complete your signup process.

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 functionality to use Ajusto: a GPS, an accelerometer and a gyroscope.

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.

Please note 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 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) - 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.

This offer is non-transferable, has no cash value and cannot be exchanged. It is available for Desjardins caisse members who have auto insurance with Desjardins Insurance, who are listed as the principal operator on the insurance policy, and who have signed up for the Ajusto mobile app. 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.

The Desjardins Insurance Home-Auto 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 discount does not apply to certain endorsements and additional coverages.

Certain conditions and restrictions may apply.

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

Google Play and Android are trademarks of Google Inc.

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