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Frequently asked questions about the Ajusto Program

Everything you need to know about the Ajusto® program





Ajusto is a free and voluntary program. It uses telematics to help you save on your car insurance. Based on your driving habits, you could get 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 The Personal and have an iPhone or Android device.

To sign up for the Ajusto program, you need an iPhone or Android device. 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:

  • If you’re insured with The Personal, you can sign up directly in the app by following the steps.
  • If you’re not insured with The Personal and you want to become a client, get an online quote or call us at 1-888-476-8737.

The Ajusto program is completely free.

No. The Ajusto program won't increase your insurance premium. But it can help you save 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.

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 to the car insurance premium payment following the trip anlaysis period.

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.

The discount does not apply when your policy comes into effect. It applies only after the trip analysis period is complete.

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 your driving data to calculate a score which is converted into a discount once you’ve driven 1,000 kilometres and used the program for 100 days.

Ajusto analyzes the following:

Your driving

Cell phone use while driving
Cell phone use while driving is one of the leading causes of accidents. If you stay off your phone when driving, you’ll improve your score and help make the roads safer.

Fast acceleration and hard braking
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.

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!

Other risk factors

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!

Trip routines
If you take the same routes all the time, you’re less likely to encounter surprises and have an accident. The more regular your daily routine, the higher your score will be.

Your score is updated after each day of driving. 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%
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%

To get your final score and your auto insurance discount that will be applied to your car insurance policy, you must travel 1,000 km and allow us to analyze 100 days of trips.

At the end of the trip analysis period, 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 1-888-476-8737. 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.




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

To find out how much you could save, add Ajusto in The Personal 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 The Personal 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.

The Ajusto program discount applies to all vehicle coverages and Ontario policy change forms (OPCF), except:

  • OPCF 3 – Drive Government Automobiles
  • OPCF 20 – Coverage for Transportation Replacement
  • OPCF 27 – Liability for Damage to Non-Owned Automobile(s)
  • OPCF 44R – Family Protection Coverage
  • Accident-Free Protection
  • Worry-Free Option




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 dashboard
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 given a star rating based on the data collected

If you signed up for Ajusto program after September 15, 2017, 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.

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 Personal 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 1-888-476-8737 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 Personal app from the App Store© or Google PlayTM.




You can download The Personal app from the App Store© or Google PlayTM.

First, download The Personal app from the App Store© or Google PlayTM .

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 and Google Android.

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 at 1-888-476-8737 to remove the Ajusto program from your auto insurance policy.

Ajusto is not available on tablet.




At The Personal, 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.

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 The Personal 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 potential savings on your auto insurance policy at the end of the trip analysis period:

  • Cell phone distraction
  • Fast acceleration and hard braking
  • Speed
  • Time of day travelled
  • Distance travelled
  • Trip routines

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.


At The Personal, we're committed to respecting our clients’ right to privacy.

To find out more about how your personal information is managed, please read the Ajusto program terms and conditions.

The Personal 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 1-888-476-8737.

The discount does not apply to certain endorsements and additional coverages. 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 trademark of Desjardins General Insurance Inc., used with permission by The Personal Insurance Company.

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 LLC.