What information is being collected?
Information pertaining to your style of accelerating, braking and cornering is collected. We also use your location data to capture your usual driving behaviour and routines.
What are the technical requirements for SmartDrive?
To participate in the SmartDrive programme, you require an iPhone 5 and higher, running iOS 8.4 and higher. Alternatively, you can use an Android phone, running Android OS version 5 or higher. You will also need to ensure that your location services are activated and that the OUTsurance app permissions are switched to 'Always'. Please note that SmartDrive is not available on Tablets.
How do I activate the location services on my phone?
- Go to the Settings option.
- Look for Privacy.
- Then look for Location Services.
- Toggle the switch on.
- Scroll to the OUTsurance app.
- Set allow location access to 'Always'.
How much data will the app use?
The amount of data you'll use will depend on the number of trips and the duration of your journey. Generally, the OUTsurance app will use between 1 MB and 2 MB for each hour you drive. This is similar to the data usage of any navigation type app.
If, for some reason the app was unable to upload your journey data whilst you were driving, the app may continue to upload this data after your journey has come to an end.
How will the OUTsurance app impact my phone's battery life?
The OUTsurance app will have about the same impact on your phone's battery life as using a navigation app. We have put in a great deal of effort to reduce the impact as far as possible. For instance, your phone will switch to economy mode after an hour of driving which should help reduce the impact. That being said, we do recommend that you travel with a car charger for your phone if you are travelling long distances.
How will SmartDrive know that it's me driving in my own car?
Development is underway on sophisticated data analytics to be able to assess your driving patterns and style in order to identify whether it's the registered SmartDriver who's driving or not. While this may not be 100% accurate, we are confident that in time, we'll identify trips made on a train, taxi, bus or bicycle versus those in a car. We should also in time be able to identify and exclude trips where you were a passenger.
Can I participate in the SmartDrive programme on multiple vehicles?
Yes. Your SmartDrive discount will automatically apply to all the vehicles where you are listed as the regular driver. Other people who are regular drivers on other vehicles on your facility can also register on SmartDrive in order to qualify for premium discounts.
How well do I need to drive to to get the maximum premium discount or payout?
SmartDrive will determine your driving scores relative to someone similar to you. Remember that we have already calculated your car insurance premium using information about you and your car. For instance, we expect people who are retired or who work from home to drive shorter distances - and this has already been taken into account in their premiums, so if we learn from their SmartDrive profiles that they are driving less than what we expected, this will positively impact their overall SmartDrive score which will mean a bigger premium discount.
When and how often will you apply my SmartDrive discount to my car insurance premium?
The premium discount indicated on the SmartDrive summary screen will be applied to your premium after three months on the programme provided we have collected sufficient driving information. Thereafter, this discount will be adjusted every six months, taking into consideration your driving habits for the past six months. This means that the better you drive over time, the higher your discount and the lower your car insurance premium will be. In order to continue qualifying for your SmartDrive discount, you need to remain registered on the programme and we need to continually receive your driving information.
What if I have an emergency and need to rush? Will that affect my scorecard?
SmartDrive determines your usual driving style over a long period of time. A few long distance trips over the year shouldn't affect your overall score for driving distance and likewise a few evening dates with your partner shouldn't affect your score for daytime driving. SmartDrive will determine your premium discount/payout amount based on your regular driving patterns and style.
Can my driving information be used against me at claims time?
The information we're collecting will only be used to determine your SmartDrive discount and will never be used against you if you need to claim.
Am I restricted in how often I can drive?
Not at all. The whole purpose of the app is to capture information about your usual driving behaviour and routines.
Is my personal information securely kept?
How do I opt out if I don't want to be part of the programme anymore?
The OUTsurance app allows you to deregister from the programme at any time. You will forfeit your SmartDrive discount or payout amount as soon as you deregister from the programme.
What are the terms and conditions for participating in the SmartDrive programme?
Please visit our website for the full terms and conditions. These terms and conditions will automatically be applicable upon registration. A copy of the terms and conditions will also be e-mailed to you once you have registered.