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With Ajusto®, being a good driver can help save you money on your car insurance. You also save 10% on your premium for the first 6 months just for signing up.

Already have your car insurance with us?

Sign up for Ajusto® for free in the Desjardins Insurance Home−Auto app.

What is Ajusto?

Ajusto is a telematics program that collects data on your driving habits and behaviours using sensors in your smartphone. We use this data, obtained with your consent, to personalize your car insurance premium. It pays to drive safe with Ajusto.

Description Transcript
How to use Ajusto in 3 steps

  minutes 58   seconds

The Ajusto program takes into account your driving behaviour and habits to offer you a more personalized auto insurance premium. It's offered for free in our mobile app. Watch this video to see how it works.

How to use Ajusto in 3 steps

Note: The information in brackets describes the audio and visual content of the video that is not dialogue or narration.

[Context: A cartoon explaining the advantages of the Ajusto app and how it works. Throughout the video, a narrator reads the audio content.]

[On-screen action: The Desjardins Ajusto app is displayed on a cellphone. The background is a bird's-eye view of a highway winding through a forest.]

[On-screen text: The Ajusto® program]

Desjardins Insurance is offering the Ajusto program for free in the Desjardins Insurance Home-Auto app.

[On-screen action: Overhead view of cars on highways and overpasses, all displaying the Ajusto app's signature letter "a."]

Ajusto takes into account your driving behaviour and habits to offer you a more personalized auto insurance premium.

[On-screen text: Steps 1 2 3]

Let's look at how it works in 3 steps.

[On-screen action: A small car is featured to the left of a cellphone.]

[On-screen text: Step 1. Download the Desjardins Insurance Home-Auto app]

Step 1: Download the Desjardins Insurance Home-Auto app on your smartphone and enter your policy number.

[On-screen action: A check mark is displayed on the cellphone. City skyline in the background.]

Go to the Ajusto section under the Prevention tab and sign up for the program through the app.

[On-screen action: The cellphone displays a map of a sample driving route. House appears to the right with a Wi-Fi symbol above the roof.]

You don't need to have a data plan to use Ajusto. Your driving data will be sent when your phone is connected to Wi-Fi.

[On-screen action: Cars driving on a highway in both directions. Speedometer appears on the right side of the screen.]

[On-screen text: Step 2. Drive safely]

Step 2: Drive safely.

Once Ajusto is activated, it will analyze when, where and how you drive to calculate your overall score.

Ajusto looks at:

[On-screen action: Cars continue to drive on the highway. A traffic sign pops up indicating MAXIMUM 50.]

[On-screen text: How fast you drive]

How fast you drive

Respecting the speed limit is an excellent way to reduce the risk of an accident.

[On-screen action: Cars on highway suddenly speed up and knock and spin the sign. The outline of a hazard sign appears.]

[On-screen text: How quickly you accelerate]

How quickly you accelerate

Smooth acceleration will give you a higher score.

[On-screen action: View from the side. A car on the left nearly rear ends a car on the right.]

[On-screen text: How hard you brake]

How hard you brake

[On-screen action: A double-direction arrow grows and separates the cars to a safer distance.]

[On-screen text: Safe distance]

Always keep a safe distance from the vehicle in front of you. It gives you more time to brake gently and avoid a collision.

[On-screen action: A cellphone with blank chat bubbles appears. Background is a vehicle dashboard, symbolizing texting at the wheel.]

[On-screen text: How often you look at your cellphone]

How often you look at your cellphone

Using a cellphone while driving is one of the main causes of accidents. Don't use it, to help make the roads safer for everyone.

Ajusto also looks at:

[On-screen action: Numbers add up on a speedometer.]

[On-screen text: How far you drive]

How far you drive

The shorter your trip, the lower your risk of getting into an accident.

[On-screen action: Clock hands turn very quickly.]

[On-screen text: When you drive]

When you drive

Drivers are more likely to get into accidents during certain times of the day, like at dusk.

[On-screen action: Overhead view of a dotted line making its way through a city, symbolizing a driving route. The Ajusto app letter "a" pops up when the car has completed the route.]

[On-screen text: Where you drive daily]

Where you drive daily

The more regular your daily routine, the less likely you are to encounter surprises and get into an accident. That means your score will be higher.

[On-screen action: A car is parked to the left of a cellphone featuring risk factors, like Distance, Time of the day and Trip routines.]

[On-screen text: Step 3. Learn more about your driving habits and check your score]

Step 3: Learn more about your driving habits and check your score.

[On-screen action: Numbers quickly decrease and increase, symbolizing driving scores.]

Ajusto gives you personalized tips to improve your driving. You can also see your score. The higher your score, the more you save!

[On-screen action: Return to the screen with cars driving on highways and overpasses. A hazard symbol pops up.]

[On-screen text: Safe driving habits can help reduce your auto insurance premium by up to 25%]

Safe driving habits can help reduce your auto insurance premium by up to 25%.

It pays to drive safely. But if you're more of a risk taker, your premium could increase by up to 20%.

[On-screen action: City skyline in background, foreground features cellphone with 10% discount on screen.]

[On-screen text: Join the program!]

Join the program and get rewarded for your safe driving habits!

You can sign up for Ajusto at any time. No need to wait until your insurance is up for renewal.

[On-screen text: 10% discount the first 6 months]

You'll get a 10% enrolment discount on your insurance for the first 6 months.

[On-screen action: Return to cars moving along a highway in both directions. City skyline in background.]

[On-screen text: 180 days and 1,000 kilometers]

After 180 days and 1,000 kilometers, you'll get an insurance premium based on when, where and how you drive.

[On-screen action: 10% appears, first with a downward-pointing arrow, then with an upward-pointing arrow.]

[On-screen text: 10%]

Your premium may be lower or higher than it was with your 10% enrolment discount.

[On-screen text: Sign up today!]

Sign up today!

[On-screen text: Get a quote.]

Not a Desjardins Insurance client? Get a quote.

[On-screen action: The Desjardins 6-sided logo appears, one side at a time, to the left of the Desjardins Insurance name.]

[On-screen text: Desjardins Insurance]

[On-screen legal text: Desjardins Insurance refers to Desjardins General Insurance Inc.TM DESJARDINS INSURANCE and its logo are trademarks of the Fédération des caisses Desjardins du Québec, used under licence. Certain conditions, exclusions and limitations may apply. The discount does not apply to certain endorsements and coverages. ®Ajusto is a registered trademark of Desjardins General Insurance Inc. in Quebec and Certas Direct Insurance Company in Ontario. Ajusto is underwritten by Desjardins General Insurance Inc.]

[End of transcript]

Benefits of Ajusto

Enrolment discount

Sign up and get an automatic 10% discount on your car insurance for the first 6 months.

More personalized premium

Get a price that reflects how safely you drive.

Trip summaries

View details of your trips including the main events that influenced your driving.

Driving tips

Get helpful feedback to become a better driver.


You must be the main driver of a vehicle insured with us

You must have an iPhone running iOS 15 or later or a smartphone running Android 8.0 or later

Don't have car insurance with us?

When you insure your vehicle with us, you can sign up for Ajusto. It's free, plus you save 10% on your premium for the first 6 months.

How Ajusto works

After 6 months and at least 1,000 km of driving 1 , you get a score out of 100. This score determines whether your car insurance premium is adjusted up or down.

Your score changes over time, so at each renewal we update your premium using your latest score based on your driving over the previous 6 months.

What influences your score

Your score is based on several factors related to your driving behaviours and habits. The safer you drive, the higher your score.

Your driving behaviours


Keep your eyes on the road and don't use your phone while driving.


Keep a safe distance from the car in front of you to avoid hard braking.


Drive the speed limit to decrease your accident risk.


Accelerate gently to stay in control of your car.

Your driving habits


Shorter trips keep you more alert and reduce risk.

Time of day

Driving during the day and avoiding rush hour increases safety.

Routine trips

Taking the same routes all the time reduces the risk of surprises and accidents.

The higher your score, the more you save

Most Ajusto users score 61 or higher and save on their insurance.

Scores of 76 and higher lower your premium by 10% to 25%

Scores of 61 to 75 lower your premium by 1% to 9%

If you get a score of 60, no adjustment will be applied. Scores below 60 could increase your premium by up to 20%.

Did you know that nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium? 2

How to sign up for Ajusto

When you insure your car with us, you can sign up for Ajusto at any time. It's free and you can opt out whenever you want. 3

1. Download the Desjardins Insurance Home-Auto app and log in.

2. Go to the Prevention section, tap Sign up for Ajusto and follow the steps.

3. Hit the road. Ajusto will automatically start recording your trips. Only driving data is used to calculate your score. 4

Need help?

Find answers to our most frequently asked questions.

Do more with our app

  • View your insurance documents
  • Display your digital proof of auto insurance 5
  • Update your payment information
  • File a claim
  • Change your address

Contact us

Client Relations Centre

Monday to Friday: 8 AM to 8 PM
Saturday: 8 AM to 4 PM 

1-888-277-8726 This link will launch your default phone software.

Damage insurance products are underwritten and distributed by Desjardins General Insurance Inc., provider of automobile, property and business insurance.
The information on this page is provided for informational purposes only. The terms and conditions of the coverages described are set out in the insurance policy, which always prevails. Certain conditions, exclusions and limitations may apply. The Ajusto program enrolment discount and personalized premium apply to all vehicle coverages, except: Endorsement 20a – Travel costs, Endorsement 27 – Civil liability, Endorsement 34 – Accident benefits, Accident-Free Protection and Trouble-Free Option ®. Ajusto is underwritten by Desjardins General Insurance Inc. Ajusto ® is a registered trademark of Desjardins General Insurance Inc. Apple, the Apple logo and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries and regions. App Store is a service mark of Apple Inc. Google Play, the Google Play logo and Android are trademarks of Google LLC. To allow us to get an accurate overview of your driving habits, you cannot go more than 30 consecutive days without driving while enrolled in the Ajusto program. Compared to the initial premium, before the 10% enrollment discount for the first 6 months was applied. Based on the scores of all clients signed up for the most recent Ajusto program offered through the insurer subsidiaries of Desjardins General Insurance Group Inc. (as at September 5, 2023).

If you decide to opt out of Ajusto:

  • You'll lose your 10% enrolment discount if you opt out before your first 6 months are up.
  • If your score is above 60, we'll remove your favourable adjustment from your premium.
  • If your score is below 60, it will be used to calculate your premium once your removal from the program is processed and at each subsequent renewal.
  • If you've driven less than 1,000 km, none of your data will be used to calculate your insurance premium.

For more information, see the Ajusto Program Terms and Conditions.

To learn more about how we protect your personal information, see our Management and Protection of Personal Information Policy for mobile application users. Digital proof of auto insurance is generally accepted in Alberta, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Ontario, Prince Edward Island, Quebec, the Yukon and in most American states. When you're driving, keep a paper copy with you in case your phone isn't charged and you're asked to show proof of insurance.