viggen

I was hoping to get people's opinions on the Ajusto app. My partner has purchased a new car and his insurance with the Ontario Medical Association (OMA) / The Personal is offering up to a 25% reduction if he uses the Ajusto app (ajusto.thepersonal.com). The rep from The Personal claims that the information will not be used against him, i.e. that his premium will not increase. I can see why one might be against such an app in theory (e.g. big brother having more information on you), but the discount sounds pretty good and I wonder if the benefits might outweigh the risks on a personal level. Any info would be much appreciated

Bill N

Insurance companies do not collect information for your benefit.

Gregster

I'd be more concerned about data security and how much of said data they were selling to 3 parties

Bill N

If you need to make a claim, they will cast their nets broadly in a fishing expedition for information that they might construe to help them escape liability.

Pags993

I would not agree to it. We deal with the Personal as well via the CBIA and they have been great. Very competitive rates and easy to deal with on 2 claims in 6 years.

Turbodan

I trust insurance companies as much as I trust the government, about the same I trust a crack *****

Torontoworker

Bingo - we have a winner!

Boxster dude

DON'T DO IT.
I guess the privacy of your driving habits, where you go, when you go, how often you speed, who is in the car, the fact you take it to the track for a DE among so many other things is only worth a couple hundred bucks to you.

Full disclosure, I am a privacy and IT Security geek so my position is not surprising. Canadian laws do not offer adequate protection in this area. To not use your personal data is a policy decision they are making, it can just as easily be reversed and the data they have collected on you belongs to them.
This is a great document to read, lengthy so just read the Exec sum and the section on Adjusto products.

https://fipa.bc.ca/connected-car/

p.s. you know that Desjardins do not own or operate this service right? An American cloud service provider is the outsourcer of this service to many insurance companies like Progressive.

Beware my friend of deals that are too good to be true.

Mark Lue

IMHO there isnt cheap insurance, sure there are some reasonabe rates but if something happens you get what you pay for.

theiceman

this is just a new spin on your driving habits being monitored with the in car device . They will try and find your driving habits another way ..

Brian 162

My old company has these devices in all the fleet vehicles. The newer devices can track erratic lane changes, taking corners to fast, and of course where you are, and if the vehicle is idling to long. Alarms go off if you go over 115 kmh and all the data goes to the fleet dept.
I'm glad I got out when I did.

viggen

Thanks everyone. I was against it myself, but needed more info to convince my partner. Thanks for the link Boxster Dude - was a helpful read.

aviography

Not a chance.

Boxster dude

My pleasure, Canadians need to pressure provincial and federal legislators to protect our privacy and interests with a legal framework for the use of personal data created by connected vehicles. The personal data generated by your car will (is) an important revenue stream for manufacturers and you consented to give away for free, what a deal.

ronnie993tt

Careful what you say on line Danny. This is grounds for crack ****** to take you to the Human Rights Commission.