# Ajusto > Drive safer, save on auto insurance \-\- Desjardins's smartphone telematics program that personalizes premiums based on your driving habits\. ## At a glance | Field | Value | | --- | --- | | Category | Usage-Based Insurance / Telematics | | Type | Solutions Provider | | Region | NA | | Headquarters | Levis, Quebec, Canada | | Founded | 2013 | | Stage | Established | | Employees | 1000+ | | Funding | Subsidiary (Desjardins Group) | ## Overview Ajusto is a usage-based insurance (UBI) program operated by Desjardins General Insurance Group (DGIG), one of Canada's leading property and casualty insurers and a subsidiary of Desjardins Group -- the country's largest cooperative financial group. Launched in 2013, Ajusto was among the first telematics-based auto insurance programs in Canada and one of the first of its kind globally. In March 2015, Desjardins launched the Ajusto smartphone app -- developed in partnership with Cambridge Mobile Telematics (CMT), a firm founded by MIT professors -- becoming North America's first insurer to offer a 100% mobile, hardware-free UBI program. The app uses sensors already present in smartphones (GPS, accelerometer, gyroscope) to measure driving behavior, eliminating the need for a dongle or OBD-II device. Within 48 hours of its launch, the Ajusto app reached the Top 100 most-downloaded apps in the Canadian App Store. In 2025, Desjardins launched a new version of Ajusto that moves beyond a one-time snapshot to continuously assess driving behavior over time, encouraging drivers to maintain safe habits on an ongoing basis. The program is now distributed through the Desjardins Insurance Home-Auto mobile app and is available to personal auto policyholders through Desjardins Insurance and The Personal in Ontario, Quebec, and Alberta. ## Products & services ### Ajusto UBI Program A smartphone-based telematics program that personalizes auto insurance premiums based on how -- and how much -- you drive. **How It Works:** 1. Enroll through the Desjardins Insurance Home-Auto mobile app 2. Receive a 10% sign-up discount immediately for the first 6 months (180 days) 3. App measures driving behavior during trips using smartphone sensors 4. After 180 days and 1,000+ km driven, a personalized score (0-100) is calculated 5. Score determines annual premium adjustment at next renewal **Scoring Factors:** **Key features:** - Driving behavior: speed compliance, acceleration, braking, cellphone distraction, safe following distance - Driving habits: trip distance, time of day, route regularity - Data is never used to cancel a policy - Data is never used to deny renewal - Data is never used to increase premiums \(only driving scores affect renewal adjustments\) - Data is not used for commercial purposes beyond discount calculation - Trip data is uploaded via Wi\-Fi only \-\- no mobile data charges - iPhone \(iOS 15\+\) or Android \(11\+\) smartphone - GPS, accelerometer, and gyroscope required - Huawei phones are not supported - Must be the primary driver of the insured vehicle ## Category & focus - Subcategories: Smartphone Telematics, Behavioral Pricing, Driver Feedback, UBI Discounts - Insurance verticals: P&C, Personal Auto - Target customers: Personal auto insurance policyholders in Canada ## Notable customers - \*\*Desjardins Insurance\*\* \-\- Ontario and Quebec - \*\*The Personal\*\* \-\- Ontario, Quebec, and Alberta - Nearly 90% of enrolled clients have reduced or maintained their auto insurance premium - Most participants score 76 or above, equating to approximately 10% savings - Average participant saves approximately 12% on their premium ## Links - Website: - Directory profile: - Faq \(desjardins\): - Faq \(the personal\): - The personal ajusto: --- *Last updated: 2026\-04\-09*