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Ajusto Program

It pays
to drive safe
with Ajusto

Ajusto can help you take control of your auto insurance premium


With Ajusto, you could be rewarded with great savings on your group auto insurance after 100 days.

With Ajusto, get a more personalized premium based on your driving!

Ajusto® is a program that you can access from your smartphone to help you monitor your driving behaviours and habits and save on your auto insurance premium.

Sign up for Ajusto and get a 10% enrolment discount on your auto insurance premium for the first 6 months.

After that, you’ll get a more personalized premium based on your driving, and every time you renew. 

How does Ajusto work?

Download The Personal app

The app is free and works on iPhone and Android smartphones.

Download the app

Sign up for Ajusto

Go to the Prevention section of the app to sign up for the program.

You don’t need a data plan.

Drive carefully to increase your score

Get your first score after 5 trips.

After each trip, you’ll get personalized feedback on your driving.

You control your score and your auto insurance premium!

Your Ajusto score is based on a number of things, including your driving behaviours. To boost your score and do your part for road safety, keep the following elements in mind when you’re behind the wheel.

Cellphone distraction

Distracted driving is one of the leading causes of car accidents. Keep everyone safe and maintain a good score by not using your cellphone when you drive.

Fast acceleration and hard braking

The more you can avoid fast acceleration and hard braking, the higher your score will be.


Respecting the speed limit decreases the risk of an accident and helps you avoid traffic violations! Driving with a feather foot also helps keep your score high.

Other factors

Your driving habits also affect your score.

Time of day

The risk of an accident during the day is lower than at night—and the lower the risk, the better your score!

Distance travelled

Less is more—it often pays to go only a short distance. And the shorter your trips, the more you could save!

Familiar routes

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

What’s the Ajusto score for?

Your score is based on your overall driving

Ajusto calculates your score based on all of your driving behaviours and habits, not on one-off events.

For example, if you brake hard to avoid a collision, this won’t affect your score.

If this type of event happens, you can remove trips from the app that don't reflect your good driving habits. 

Your score helps personalize your premium

After a 180-day period and at least 1,000 km1 of driving, your score can be used to raise or lower your auto insurance premium.

• By driving safely, you could see a premium reduction of up to 25%.

• A riskier driving could mean a premium increase of up to 20%.

We’re confident that 75% of those who sign up for the new Ajusto program will see a reduction in their premium after 180 days of driving. This could be less than or greater than their 10% enrolment discount. 

After that, each time you renew, you benefit from a premium that’s personalized based on your driving during the last 6 months. 

Your premium is also based on traditional factors, like past claims, driving violations or a change of address.

Learn more

Is Ajusto right for you?

Safe driving comes naturally to you! 

You’re open to using Ajusto on your smartphone. 

You like the idea that your good driving is finally being recognized 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!

Discover The Personal app

Through our mobile app, you can sign up for the new Ajusto program, manage your insurance and make a claim 24/7. 

Already insured with The Personal? Download the app today!

Download on the App Store
Get it on Google Play


At The Personal, we’re committed to respecting our clients’ right to privacy. For more information, read our Management and protection of personal information policy for mobile application users and the Ajusto program terms and conditions.


Get a quote

Up to 2 cars and 3 drivers 1 car and 1 driver

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Certain conditions, limitations and exclusions may apply.

The discount and the personalized premium do not apply to certain endorsements or additional coverages.  Learn more.  

Ajusto is underwritten by The Personal, which refers to The Personal General Insurance Inc. in Quebec and The Personal Insurance Company in all other provinces and territories of Canada.

® Ajusto is a registered trademark of Desjardins General Insurance Inc., used under licence.  

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

Google Play, Google Play logo and Android are trademarks of Google LLC.

1. The usage period is 180 days and must include at least 1,000 kilometres driven. During this time, the principal driver must not remain inactive for more than 30 consecutive days. 

If you decide to opt out of Ajusto before your first 6 months are up:  

• You’ll lose 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 than 1,000 km, none of your data will be used to calculate your insurance premium.  [Back]