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Young drivers

Terms

Thank you for taking out a telematics-based insurance policy. These Terms and Conditions apply to your telematics policy and by purchasing this insurance you agree to these.

These terms and conditions should be read together with your Policy document which contains full details of your policy cover and the cancellation rights.

You must ensure that anyone who uses your car has also read and accepted these Terms and Conditions as their data will also be collected and transmitted to us while this insurance remains in
force.

Definitions

Wherever the following words or expressions appear in the Terms & Conditions, they have the meaning given here.

Data – information we collect about you including personal details and your driving behaviour and the driving behaviour of anyone who drives your car. This will include information such as date, time, location, duration, speed and distance for each journey where the telematics device used in your car is enabled. We will collect, process and retain your data in accordance with the Data Protection Act 2018 and our policies on data retention. Driving data relating specifically to you or any other user of your car will not be retained by us for longer than three years.

Device – the instrument that must be installed in your car which will monitor, record and transmit data to the device provider and us, about where, when and how your car is driven.

We, Us, Our – the person or company you purchased this insurance from.

You, Your – the person who is shown as the Insured in the policy documents.

Your car – the car in which the device is fitted and which is insured under the policy arranged through us.

 

Use of Data

In this section where the word “we” “us” or “our” is used, it means us, appointed providers and / or service partners who will all keep and use the data securely.

It is important that you read this part of your terms and conditions so that you fully understand who can access and use the information you have provided, together with the data collected by the device and the purposes for which it will be used. This should be read in conjunction with the information contained in your Document of Insurance.

The data collected by the device is transmitted via a Mobile Phone Network in a secure format. By taking out this policy you are consenting to your data being collected by the device and to this data being used by us in the ways outlined below. You must inform anyone that is going to drive your car that it is fitted with a device that will collect and transmit data about how your car is driven and used. You must advise every driver that each journey is monitored and will be visible to you, via the dashboard, and to us.

 

From the date the device is installed it will collect information including (but not limited to):

  • The time of day and date of travel,
  • Your car’s location,
  • The distance travelled,
  • Speed throughout your car’s journey,
  • Braking frequency and force,
  • How smoothly your car accelerates and
  • Time spent stationary.

This information will be used to build up a profile of where, how and when your car is driven.

The data collected by the device may be used by us or the insurer for the following purposes:

  • To review the information disclosed by you in relation to your policy or any claim, and to identify inconsistencies. Please note that knowingly providing inaccurate information could result in your claim being rejected and / or your policy being cancelled;
  • Make operational requirements, including the activation, disconnection, updating and testing of your device and any associated software (e.g. During installation or to perform maintenance checks);
  • To provide data to your personal dashboard;
  • Processing your personal data for the purpose of providing you with your insurance policy and associated services;
  • To contribute towards the calculation and charging of insurance premiums based upon driving behaviours and your car usage by compiling and generating scores;
  • To assess your driving behaviours and your car usage together with your previous scores to help determine your future insurance premiums;
  • To enable us to contact you regarding the administration of your insurance policy, provide you with reminders, other score related feedback and / or hints and tips. To do this we may contact you via email, telephone, text message, or post, however these communications will not take the form of marketing or promotional material;
  • To help us or your insurer handle any claim, and reduce fraud, by assisting with the identification, assessment or the investigation of claims made and to provide clarification as to the circumstances of the claim;
  • To provide you with any additional optional telematics services that are or may become available, where you agree to these at purchase or during the lifetime of your policy;
  • To carry out research and analysis to help us to understand driving behaviours which we will use to develop the underwriting of this product and to inform the development of similar products; or General research and analysis including mapping and refining techniques for analysing the data. In such circumstances the data will be anonymised and will not identify you or any car.

 

 

We will only disclose data collected by the device to authorities such as the police or the courts where we have your permission to do so (or another driver’s permission, where the data relates to them), except where we are required to do so by law, when subject to a court order or where we suspect fraud or attempted fraud.

You have the right to withdraw your consent to our use of the data collected by the device at any time. Where you wish to do so, you are required to notify us at your earliest opportunity. In these circumstances however, the policy will be cancelled subject to a 7 day Road Traffic Act cancellation notice from the date we receive notification of your withdrawal of consent.

If a named driver withdraws his or her consent, the policy will be allowed to continue, however as soon as you are made aware of the named drivers withdrawal of consent you are required to notify us that this named driver must be removed from the policy.

Where you or a named driver has withdrawn consent to our collection and / or use of the data, this does not remove our right to use the data collected up to the point of your notification to us.

You have the right to request a copy of the data that is being held about you. If you wish to be provided with this data, please contact us on 028 90 664999 or dashhound@caulfieldinsurance.com .

 

Installation of the Device

It is a requirement that a device is installed in your car within 14 days of the inception date of the of the policy or any subsequent change of vehicle.

If you do not co-operate in having the device installed in your car, or if you have not booked the device installation to take place within this time frame the policy will be cancelled subject to a 7 day Road Traffic Act cancellation notice.

If you do not attend the appointment at the agreed location and time with your car, you will be charged a non-attendance fee of £45 + VAT. If you fail to attend the second booked appointment the policy will be cancelled subject to a 7 day Road Traffic Act cancellation notice.

You are required to provide the following original documents at point of installation:

  • Your Driving Licence
  • Proof of your address of the last 3 months. (not required if licence is less than 3 months old)
  • Proof of any No Claims Bonus/Discount (if appropriate)
  • Vehicle Registration Document (V5C)

If you have recently purchased the vehicle the section 10 New Keeper Supplement or proof of purchase is acceptable in place of the V5 (this must be dated within the last 8 weeks).

You will also be required to forward these documents to ourselves within 14 days of inception of your policy.

If  the approved installer notes that there are modifications or damage to your vehicle the approved installer will take photographs to provide to ourselves to establish whether to proceed with the installation or not.  The photographs will not include any personal data such as the vehicle registration number.

The photographs do not constitute notice to the insurer or us of any modifications to your car and it remains your responsibility to advise us of modifications and to ensure your policy information is accurate at all times.

The approved installer will also record your vehicle odometer mileage at installation.

 

The Device

You must not, nor permit any person or organisation to, tamper with, alter or dismantle the device in any way, or to interfere with the Global Positioning System (GPS) signal received or the Mobile Phone Network signal sent or received by the device. In the event of this occurring, the policy will be cancelled subject to a 7 day Road Traffic Act cancellation notice.

In the event that the device becomes defective we will inform you, and you must allow the approved installer prompt access to your car to repair or replace the device.

If you remove your car from the policy or your policy is cancelled, the device will no longer collect or transmit any further data within 2 working days.

Unless the device has been removed from your car, it is your responsibility to inform any person or organisation buying or taking ownership of the car that the device is fitted to it.

Driving Score

Your driving score is calculated as a percentage.  You should aim to score 50% or more. Your overall driving score is calculated based on the smoothness of your driving from your acceleration and braking, your typical speed in relation to other road users, and how much driving you do late at night or early in the morning.

 

Green journey = driving score 66% to 100%

Amber journey = driving score 33% to 65%

Red journey = driving score 32% or below

 

If your driving score results in a red journey, we will send you a warning letter giving you 28 days to improve it. If you incur a second red journey within the 28 days, we reserve the right to charge an additional premium of £150.00.

If your driving score results in a third red journey within 60 days of the first red journey, we reserve the right to charge a further additional premium of £250.00.

If your driving score results in a fourth red journey within 90 days of the first red journey we reserve the right to cancel your policy subject to a 7 day Road Traffic Act cancellation notice.

 

 

 

Speeding Events

Speeding events are split into yellow and red categories. Speeding events are yellow when the driver is driving 25% over the speed limit this impacts the overall driving score.  A minimum speed limit of 30mph is generally applied.  Red events are where the driver’s speed is 50% or 25mph over the speed limit. For example, 45mph for a 30mph limit and 95mph for a 70mph limit.

You will be notified if there has been a red speeding event and the event will also appear on your dashboard.

On the first occasion of a red speeding event, we reserve the right to charge an additional premium of £150.00.

If the event of a second red speeding event within 45 days of the first occasion, we reserve the right to charge a further additional premium of £250.00.

If the event of a third red speeding event within 45 days of the second occasion, we reserve the right to cancel your policy subject to a 7 day Road Traffic Act cancellation notice.

 

Extreme Driving Event

If we register that there has been an extreme speeding driving event, for example if your car is driven at more than 100mph, we reserve the right to cancel your policy subject to a 7 day Road Traffic Act cancellation notice.

 

Mileage 

You must ensure that your policy includes sufficient mileage for the use of the vehicle throughout the policy term.  If the vehicle is likely to exceed the agreed annual mileage we will contact the Policyholder.  Once the included mileage has been exceeded, additional miles must be purchased if the vehicle will continue to be used, otherwise the policy will be cancelled subject to a 7 day cancellation notice. You can purchase additional miles by calling us on 028 90 664999.  Your mileage usage will be reviewed after the first 90 days and used to calculate a projection of your total annual mileage. If the projected mileage exceeds the number of miles purchased at inception we will contact you to discuss purchasing additional miles. If we are unable to speak with you we will write informing you of the cost of the additional miles. These will be added to your premium and become payable under your agreed payment method.
Claims

In the event that the device registers a likely impact, you will be contacted by us or the insurer to collect details of the incident unless you have already reported the incident.

You remain responsible for promptly reporting any incident which may result in an insurance claim.

 

 

Cancellation/Expiry

If you wish to cancel your insurance linked to the use of the device, you must inform us in accordance with the instructions supplied previously and/or set out in your insurance policy. We will then either remove your discount, or arrange other insurance, or all insurance will cease, as appropriate.

The device will no longer collect or transmit any further data within 2 working days of cancellation. If you do not inform us as above, the device will continue to collect data and send it to us.

If you wish to have the device removed from your vehicle there will be a charge of £60.00 + VAT for this to be removed. This cost will be in addition to any charges that we or your insurer might impose.

If you sell or otherwise dispose of your car but wish to remain insured through us under the same insurance policy, you must contact us to arrange for a new device to be fitted to your new vehicle.

There will be an additional charge of £140.00 + VAT for fitting a new device to your new vehicle in addition to any other insurance company premium & administration fees.

It is a requirement that a device is installed in your car within 14 days of any change of vehicle, see Installation of the Device section.

If you do not renew this telematics-based insurance policy, the device will no longer collect or transmit any further data within 2 working days of expiry.

 

Access to your data via the Dashboard.

You will be able to access your data via the dashboard, using a username and password which will be supplied to you alone. If you allow anyone else to use the username and password, you accept that they will be able to view the data collected by the device.

You are required to regularly access your dashboard to review your journey details, driving score and any messages or alerts.

 

Fees relating to telematics device

An initial charge of £140 + VAT is made in addition to the insurance premium to cover the costs of supplying the device and processing the data it records for up to one year. No refund of this charge will be made unless the insurance is cancelled before it starts or within the 14-day “cooling off” period, which is from the date the insurance starts or the date you receive the policy whichever is latest, and the device has not been fitted.

You will receive a discount from the normal insurance premium for using the device. At renewal of the insurance your premium will be assessed and may go up or down depending on various factors, including your data. If you renew this telematics- based insurance policy a charge of £25.00 + VAT will also be payable for processing the data it records for a further year.

If you change your car there will be an additional charge of £140+VAT for fitting a new device to your new vehicle in addition to any other charges.

A non-attendance fee of £45 + VAT will apply if you fail to attend any booked installation appointment.

Service call outs are chargeable at a cost of £85 + VAT if the issue you have raised is deemed not to be an installation or device issue.

If you wish to have the device removed from your car following a change of vehicle, cancellation or expiry of the policy there will be a charge of £60 + VAT for this to be removed.

 

 

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Young drivers