These Terms and Conditions apply to your participation of DriveXpert Telematics and form part of your insurance contract, alongside other policy documents such as the policy booklet and schedule. Please make sure you retain a copy for future reference.
You should also read the Privacy Notice provided within your policy documents, as it explains how we will use the data that you provide us and that we collect from you. Information on How to make a complaint, Fraud Prevention and Access to your information can also be found with your policy documents.
These apply to you and anyone who uses your car so please make sure you all read and accept these Terms and Conditions. You will all be bound by them as data will be collected and transmitted any time the box is switched on throughout our agreement.
Wherever the following words or expressions appear in these Terms and Conditions, they have the meaning given here unless we say differently.
Analytics Supplier - a specialist company which collects and analyses data on our behalf.
Awards - milestones to mark your achievements as a safe driver.
Data - information we collect from you including personal details such as your name, date of birth, email address and your driving behaviour and the driving behaviour of anyone who drives your car. This will include information such as the date, time, location, duration, speed, distance, start, finish and direction of travel, for each journey where the telematics device used in your car is switched on. It also includes information we collect from your car's engine management and electronic systems and your car's location.
DriveXpert - the Privilege Telematics insurance scheme, underwritten by U K Insurance Limited.
Driving Score - (also referred to as Score) is our assessment of your driving behaviour and is used to determine your Awards.
Onboard Diagnostics (OBD) port - a socket in your car, which is used by engineers to identify faults with your car.
Period of Insurance - as shown on the certificate of motor insurance or schedule.
Policy - your Privilege Car Insurance.
Portal - the website where you can access your individual driving information via www.myDriveXpert.com (also referred to as DriveXpert Portal).
Supplier(s) - our Technology Supplier or Analytics Supplier.
Technology Supplier(s) - companies that work with U K Insurance Limited to provide and/or install telematics devices. Our technology suppliers collect and transmit data to us when telematics devices are switched on and may analyse that data on our behalf.
Telematics Device (Self-installed /Plug-in) - the small box which you fit into the OBD port of your car that collects and transmits data to us. It is also referred to as 'Self-installed' or 'Plug-in'. The telematics device shall, at all times, remain our property.
Telematics Device (Installer-fitted) - the box which has been fitted to your car by a professional installer (as opposed to the Plug-in), which is also referred to as 'Installer-fitted'. It collects and transmits data to us. The telematics device shall, at all times, remain our property.
Telematics Device – either a Plug-in device or an Installer-fitted device, depending on your chosen car.
Territorial Limits – Great Britain, Northern Ireland, the Republic of Ireland, the Isle of Man and the Channel Islands.
We, Us, Our - U K Insurance Limited.
You, Your - our customer or prospective customer.
Your car - the car in which the telematics device is used.
The telematics device must be fitted to your car as soon as possible after receipt and must be installed when your policy starts. If you receive a self-installed telematics device we cannot accept liability for damage to your car caused by your installation.
You must not unplug or interfere with the DriveXpert telematics device or we may cancel your policy. If the telematics device is not installed within 28 days or if we don’t receive signal from your device for 28 continuous days we reserve the right to cancel your policy. This may affect your ability to purchase insurance in the future.
Once your device is installed and you have registered on the portal you will be able to access your data (your Score and Awards) via the DriveXpert Portal via www.myDriveXpert.com
If you no longer have the car or you change your car
Cancellation
Renewal
You will continue your participation in DriveXpert unless you decide to cancel, not to renew your insurance or choose to be removed from DriveXpert.
Your renewal invite will advise if your policy will be automatically renewed or if you need to call us.
If we are unable to offer renewal terms for DriveXpert we will contact you ahead of your renewal date by writing to you at your last known address to let you know.
It is very important that you read this section so that you understand how we and our technology and analytics suppliers will collect and use the data gathered by the telematics device.
Once activated the telematics device will record and analyse data about the driving behaviour of you and anyone who drives your car.
It will capture and send your specific location, direction and current speed amongst other factors to the suppliers' server and we will use the information to understand road type, speed and other conditions relating to your journey. This information will be used to build up a profile of how, where and when your car is driven. In addition to the above, the telematics device will also collect vehicle and battery health data.
We will use the data from the telematics device, for the purpose of assessing individuals' driving behaviour and to provide insurance policies which are reflective of driving behaviour as well as other rating factors.
Your data may be used for the following purposes:
We will collect, process and retain your data in accordance with the current Data Protection law and our policies on data retention.
When you give us your information, it will be shared with our Technology Supplier(s) and Analytics Supplier.
The information collected by the telematics device will also be used by our analytics suppliers for research and analytical purposes both during the active period of the telematics device, and after your use of the telematics device has ceased. Any information that our analytics supplier shares with third parties will be made anonymous and will not contain any of your personal information. This will prevent data or results being directly linked to you.
Our technology and analytics suppliers will use your personal data for communications that relate to your DriveXpert participation or instructions of when you need to return the telematics device.
Unless you stop using the telematics device, our analytics supplier will continue to use any ongoing data collected for the purposes below and you will be able to access your driving data for as long the telematics device is active.
Feedback
As part of your participation in DriveXpert you may receive useful feedback emails or SMS, which are designed to help you to improve your driving. They will also help you keep track of your score. In some cases we may also call you to give you more personal feedback on how you can improve your score. You can also view this information on the DriveXpert Portal via www.myDriveXpert.com
Accident detection
In the event that the telematics device registers a possible accident; you may be contacted by our claims department by telephone to collect details.
Nothing contained in the above negates the requirement for you to report all accidents to us.
If you are eligible for a DriveXpert introductory discount it will apply from the point that you add Telematics on to your policy and is only applicable for that period of insurance. At renewal your premium will be assessed and may go up or down depending on various factors, including your driving data.
