Ajusto® program with telematics device
The Ajusto program with telematics device lets you monitor your driving habits and save up to 25% more on your auto insurance premium at renewal.
Our free telematics device is about the size of the palm of your hand. Simply connect it to your vehicle and drive!
When you register your car for the Ajusto program, the telematics device collects real-time data on these 3 criteria:
- Annual kilometres – If you drive less then 15,000 km a year, you can receive the maximum savings.
- Fast acceleration and hard braking – The smoother your driving, the more you can save!
- Time of use – The risk of an accident is lower at certain times, such as during the day or on a weekend. And the lower the risk, the more you save!
Your driving data is sent to The Personal through a secure server. We use this data to calculate the savings you'll get on your auto insurance premium at renewal.
View your driving data
Simply log on to Online Services and check out your personalized dashboard. You'll see your driving data and your estimated annual savings.
Sign up and save
To take advantage of the Ajusto program with telematics device, you need:
- A car model manufactured in 1998 or later. Technical limitations mean we can't offer this program for all vehicles.
- An email address to receive messages and to log on to Online Services
To take advantage of the Ajusto program, call us at 1-855-801-8830. Tell the P&C insurance agent that you're interested in the Ajusto program with telematics device.
Connect and drive
Simply connect your telematics device to the OBD port in the vehicle you registered for the program. To help you locate the OBD port:
Important: Some OBD ports may be incompatible with the device. Therefore, finding your vehicle in the search tool does not guarantee that it is eligible for the Ajusto program.
You can also refer to the instructions (PDF) included with the device.
At The Personal, we're committed to keeping your personal information secure and confidential.
Read the Ajusto program with telematics device terms and conditions (PDF).
Frequently asked questions about the Ajusto program with telematics device
- What happens after I sign up?
Once you've signed up for the Ajusto program, we'll send you a welcome email explaining the next steps. The email will also include the Canada Post tracking number for your telematics device.
Your telematics device comes with simple instructions (PDF) to help you install it in your vehicle. As soon as the device is connected, it's ready to start collecting driving data.
Just a few days after connecting the device, you can log on to Online Services to see your driving data and track your savings. The Personal uses this data to calculate your auto insurance savings. As long as the device has been installed for at least 160 days, you can save up to 25% on your auto insurance premium at renewal.
- Can I cancel my Ajusto program?
You can cancel your Ajusto program at any time, without penalty, by calling us at 1-855-801-8830. If you don't want to transfer the Ajusto program to another eligible vehicle, you'll need to return your telematics device. We'll send you a pre-addressed, prepaid package that you can use to send it back. Remember that if you cancel the Ajusto program before you renew, you won't get the Ajusto savings on your insurance premium at renewal.
- Can I use the telematics device in both my cars?
No. Each telematics device collects data for a specific vehicle, so there can only be one vehicle per device. However, you can register more than one vehicle for the Ajusto program by connecting a telematics device in each vehicle. You'll still see all your driving data in your Online Services dashboard. Simply select the vehicle to see your results.
- If someone else drives my car, does the device record their driving habits?
Yes. Because the Ajusto program with device is linked to the vehicle, it records driving data for all the drivers. That means everyone who drives your car has an impact on your savings at renewal.
- Will The Personal share my data?
At The Personal, respecting your privacy is an important part of our commitment to providing service excellence. We understand that you may have concerns about how we use the collected data, but we're committed to protecting your privacy and earning your trust.
Your personal information is completely confidential. It will never be used for purposes other than for your participation in the Ajusto program. It will not be disclosed to third parties, except if required by law.
Read the Ajusto program with telematics device terms and conditions (PDF).
- How can I check my driving data?
To view your data, simply log on to your Online Services account. This site is a 100% secure and only you can access your data. Your dashboard displays your kilometres driven, acceleration and braking and travel times. You'll also see estimated savings for your auto insurance renewal. Just log on—it's that easy!
- Can the device be installed in any type of car?
No. The device is compatible only with vehicles built after 1998. Older vehicles don't have an OBD port (also called a diagnostic port). Also, our device is new on the market, so technical limitations mean it doesn't work in all vehicles. For more information about the telematics device, call us at 1-855-801-8830.
- How can I make sure the device is working properly?
A few days after connecting the device to your vehicle, log on to your Online Services account to view your dashboard. If you notice that your information hasn't been updated, here's how to check whether the device is working.
First, make sure that the light on the device is on when the engine is running. Normally the light remains on for a short while after you turn off the engine so data can be transmitted. The light blinks when the engine is turned off and the device is on standby. This means it's no longer connected to cellular and GPS networks and that its features are deactivated to save on battery consumption.
If the light is out, unplug the device and wait about 15 seconds. If the light doesn't come on when you reconnect the device, call us at 1-866-944-4762.
The device uses a cellular connection to send data. If you're in a remote area, a tunnel or if the device is too close to a metallic surface, data may not be transferred, even if the light is on. In that case, wait until you return to an area with cellular coverage or move the device farther from the metallic surface.
- Can the device drain my vehicle's battery?
The device operates mainly when your engine is running. This limits battery consumption when your engine is turned off and significantly reduces the device's impact on your battery. Also, if you store a vehicle that's registered for the Ajusto program, we recommend disconnecting the device while the vehicle is in storage.
- What does the red light on the device mean?
The red light indicates that the device is working and shows its general status. The light stays on when the device is operating and blinks every 15 seconds when the device is on standby.
- How can I switch from the Ajusto program with telematics device to the Ajusto program on smartphone?
If your car insurance renewal is in less than 60 days, tell your P&C insurance agent you want to switch to the Ajusto program on smartphone.
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.
Note: The device collects driving data while your vehicle is being operated by you and all other drivers of your car. Therefore, the personal dashboard/driving profile displays the aggregated driving data of all drivers of the vehicle enrolled in the program.
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 The Personal, which refers to The Personal Insurance Company Inc.
® Ajusto is a registered mark of Desjardins General Insurance Inc., used with permission by The Personal Insurance Company.