# Scotia Insurance — user reviews > 97 indexed App Store user reviews of Scotia Insurance by Intact Financial Corporation, rated 4.70/5 from 43 ratings. - Source: https://appshunter.io/ios/app/scotia-insurance/id6467431386/reviews - App overview in markdown: https://appshunter.io/ios/app/scotia-insurance/id6467431386.md - Rating breakdown: 5★ 38 · 4★ 2 · 3★ 0 · 2★ 0 · 1★ 3 ## What do users think of Scotia Insurance? Overall sentiment: negative **Pros** - 👍 Easy to use and navigate interface - 💰 Affordable insurance premiums - 🎯 Convenient app design and layout - 👥 Excellent customer service representatives - 💳 Useful wallet system integration - 📱 Clean and smooth app performance - 🙌 Professional and welcoming support staff **Cons** - 🐛 Frequent automatic logout issues - 📍 Inaccurate trip tracking and recording - 🔋 High battery drain from background location tracking - ⚠️ Unreliable driver/passenger detection - ❌ Cannot edit or correct trip information easily - 🌐 Language settings stuck in French only - 📊 Inaccurate speed and acceleration measurements - 🔐 Privacy concerns with data access permissions - 💸 Unexpected insurance rate increases - ⏱️ Very slow app response times - 📵 App crashes frequently - 🚫 No dark mode option available - 👁️ Misleading driving behavior scoring system **Commonly reported bugs** - App logs out automatically after inactivity - Login does not work after auto-logout without reinstalling - App crashes on policy access - App crashes when activating SmarterRide - Trips not recorded despite correct settings - Billing page displays blank - Password reset validation errors - Trip history not updating in real-time - Cannot switch from paper to online billing - Sporadic connection issues despite proper pairing - Phone use detection false positives - Speed limit readings significantly inaccurate - Claim submission fails with generic error message - Missing policies not displaying in app - Chat support language selection not working **Most requested features** - Dark mode for reduced eye strain - Automatic driver/passenger detection confirmation - Keep user logged in persistently - Ability to change vehicles on/off policy online - Display all insurance policies in app - Add policy documents and coverage details to app - Proof of Insurance in Apple Wallet support - English language chat option - Detailed feedback on driving errors with location - Better accuracy for EV vehicle measurements - Save progress on incomplete transactions - Automatic trip data updates - Multiple policy management support ## Newest reviews (10 of 97) ### 4/5 — The Apps are great *2026-06-14* The apps are great but attitude without consideration will lose customers. ### 3/5 — Very convenient app *2026-04-28* I would say the overall experience and design of the app makes it very easy to use. Issues Background location services kills the phone battery. A dedicated device should be a future solution instead of an app that consumes the device battery even when not using your vehicle. ### 2/5 — Constant login requirement *2026-04-28* The app terminates login session after couple hours. Remember me does not work. So almost every time you want to open the app you need to enter your credentials. This drives me crazy ### 3/5 — Won’t allow me to change drivers *2026-03-08* I carpool to work quite often so I need to be able to change when I am the passenger. It has allowed me to do that many times in the past, but since the last update, it is no longer allowing me to do that. Unfortunately, one of my carpooling people is not the best driver, so now this is going on my record. Please fix the glitch that is causing me not to be able to change this. ### 2/5 — Stop logging me out of my account *2026-02-26* Literally every time i go on this damn app it’s like “oh we realized you left so we logged you out” when for the first week of having it i was always logged in when i opened it. Why is this an issue now? and can y’all please for the love of god knock it off! ### 1/5 — Malfunctioning *2025-10-23* I am driving car , every access is given and yet it doesn’t record my trip. ### 3/5 — Apps not accurate record you driving *2025-10-20* This apps needs improvement to mark at which point on the driving your take break or speed higher than limit to help driver awareness ### 5/5 — Review *2025-10-14* I am happy with Scotia insurance, the cost of annual insurance premiums are affordable. ### 1/5 — Half scam *2025-10-07* Scotio auto , worst insurance they scam people with coverages, i have open claim with them where my car went through vandalism, when i sent my car to there linked body shop , they have done half job on my car , when i saw my car half fixed , they mentioned these are old damages and give foolish , people sitting at desk of computer they will decided what has to be fixed and whats not , i m still fighting with them , there claim officer dont have logical explanation , he only repeat same line like AI computer …. ### 2/5 — Acceleration and Braking incorrectly measured *2025-09-08, version 5.61.0* EV vehicles ## Most critical reviews (10 lowest-rated) ### 1/5 — New update sucks *2026-06-29* Now it won’t work unless I purchase a fancier phone. I guess I won’t be using this app anymore ### 1/5 — Support *2026-06-10* I can’t email you guys and don’t want to stay on hold but your app keeps timing out and I can’t even reset the password ### 1/5 — Insufficient information *2026-06-02* Although my policies are linked. The app only shows one policy ### 1/5 — Premiums are high!!! *2026-05-16* 1. I am writing to express my disappointment with my current premium rates. Despite being a loyal customer for two years with a clean driving record—free of any points or citations—my rates remain unjustifiably high. A lot of other companies have best deals .. give it a try! 2. Furthermore, my recent experience with customer service was highly frustrating; rather than assisting me in correcting a minor error, the interaction only added to my dissatisfaction." ### 1/5 — Misleading *2026-04-28* Not user friendly. Supposedly able to view digital insurance card but unable to do so. ### 1/5 — Application peu fiable *2026-03-29* On a souvent de la difficulté à corriger le trajets erronés. ### 1/5 — Ma conduite pas facile !!! *2026-03-29* Cette application est peu fiable, plusieurs fois par année on ne peut ajuster les trajets. Il faut perdre un temps précieux à appeler pour faire corriger les erreurs de trajets. ### 1/5 — Mécontent *2026-01-20* Mon assurance est passée de 395$ à 627$ sous prétexte que j’ai fait un accident, pourtant c était un choc chez moi et en plus j’ai fait la réparation moi même et j’ai déclaré, alors pourquoi doubler pratiquement mon assurance? Je ne peut plus référer votre compagnie d’assurance à mes amis. ### 1/5 — Background Tracking *2025-12-04* The app constantly accesses my location in the background and won’t let me switch the setting to “While in Use.” As a result, it consumes a lot of battery. ### 1/5 — let me stay logged in pls *2025-11-29* Why am I forced to type and login every time ## Most praised reviews (10 highest-rated) ### 5/5 — On palm *2026-07-25* It’s amazing and easy to use ### 5/5 — Good one *2026-07-19* Thanks ### 5/5 — Exceptional Service *2026-06-30* I had a fantastic experience with Scotia Insurance. The customer service team was excellent, providing clear and timely information throughout the entire process of getting my policies. They truly listened to my needs and offered flexible pricing that fit my budget perfectly. I highly recommend them for their professionalism and efficiency! ### 5/5 — Cut me off on insurance *2026-06-20* Cut me off on insurance because I didn’t fill out a survey in time so they canceled me ### 5/5 — It's a great program *2026-06-05* If only it were modified, because the traffic congestion always causes brake pressure issues. And he deducts a star from my score, of course, because I have to stop a lot during rush hour. ### 5/5 — Very convenient app *2026-04-10, version 5.72.0* I would say the overall experience and design of the app makes it very easy to use. ### 5/5 — Jo *2026-03-13* Très utile ### 5/5 — Service Manager *2026-03-05* Great Customer Service! ### 5/5 — Very excellent assistance and explanations *2025-12-04* Joshwa was very helpful and I u seestors him so well. Thank you. ### 5/5 — Good company *2025-10-28* Quick response --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*