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Ajusto program

It pays to drive safe with Ajusto®
Sign up and save 10% for the first 6 months

Already have auto insurance with us?

Sign up for Ajusto in The Personal app

Ajusto can help you take control of your premium. Watch the video to see how

3 min 12 s

Ajusto takes into account your driving behaviour and habits to offer you a more personalized auto insurance premium. Ajusto is available free in our mobile app. Watch the video to see how it works.

 

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.

Good to know: nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium.1

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.

For 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.

Speed

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 km of driving2, your score can be used to raise or lower your auto insurance premium

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• By driving safely, you could see a premium reduction of up to 25%.
• Riskier driving could mean a premium increase of up to 20%.


Good to know: nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium.1.

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 have an iPhone running iOS 15 or later or a smartphone running Android 8.0 or later.
  • 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!

Learn more

Can I opt out when I want?

You can opt out of the Ajusto program at any time. In the app, go to Profile. Under Account management, select Settings, Ajusto, and then Stop using Ajusto. Ajusto then stops recording your trips. We'll update your auto insurance policy and send you a confirmation by email.

If you just delete the app from your phone, you are still signed up for the Ajusto program. To opt out, you must select Stop using Ajusto.

If you opt out of the program and have not driven 1,000 km in the last 6 months:

  • You lose your sign-up discount or any other favourable adjustment to your premium.
  • You keep any existing unfavourable adjustments on your premium.

If you opt out of the program and have driven more than 1,000 km in the last 6 months:

  • If your score is 60 or higher, we remove all existing adjustments (both favourable and unfavourable) from your premium. This means you’d no longer have a personalized premium based on your driving.
  • If your score is 59 or lower, we apply an unfavourable adjustment to your premium.

If you want to try to improve your driving with Ajusto again, you can sign up for the program to start a new 180-day trip analysis period. Note that you won't receive the 10% sign-up discount this time. At the end of the new period, we personalize your premium based on your new score.

Will I be penalized if I brake suddenly to avoid an accident?

It depends. We know that there are times when you need to accelerate fast to let an ambulance through or to brake hard to avoid a collision. That's why your score isn't based on one-off events. Instead it's calculated on your driving profile as a whole.

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

Can my insurance premium go up as a result of the Ajusto program?

Yes, but by driving safely, you could see a premium reduction of up to 25%. Riskier driving could mean a premium increase of up to 20%.

Good to know: nearly 90% of our clients signed up for Ajusto have reduced or maintained their car insurance premium.1

When you renew your auto insurance policy, your premium also takes into account traditional factors like your age, gender, vehicle model and year, driving convictions and claims.

If you become ineligible or we are required to end your participation in the program, you are no longer eligible to receive any sign-up discount or favourable program adjustment; however, any unfavourable program adjustment continues to apply.

Discover The Personal app

With our mobile app, it's easy to sign up for the Ajusto program, manage your insurance, access your digital proof of auto insurance3 and make a claim.

Already insured with The Personal? Download the app today!

Privacy

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.

Certain conditions, exclusions and limitations may apply.

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

Ajusto is underwritten by The Personal and available in Quebec, Ontario and Alberta only.

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 and regions. App Store is a service mark of Apple Inc.

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

1. 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).[Back]

2. 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]

3. Digital proof of auto insurance is generally accepted in Alberta, New Brunswick, Newfoundland and Labrador, the Northwest Territories, Nova Scotia, Nunavut, 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. [Back]

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