Thank you for agreeing to participate in Privilege DriveXpert. As per your recent telephone conversation with Privilege Insurance, these Terms and Conditions will apply to your participation.
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 throughout our agreement.
And remember, to be eligible for DriveXpert you must have passed your driving test.
Wherever the following words or expressions appear in the Terms & Conditions, they have the meaning given here unless we say differently.
Analytics Supplier – a specialist telematics company which collects and analyses data on our behalf.
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 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. We will collect, process and retain your data in accordance with the Data Protection Act 1998 and our policies on data retention.
DriveXpert – the Privilege Telematics Insurance Scheme, underwritten by U K Insurance Ltd
GB – England, Scotland and Wales.
Installer-fitted unit – the box (also referred to as DriveXpert box) which is fitted to your car by a professional installer that sends, receives and transmits data to us. The installer-fitted unit shall, at all times, remain our property.
Onboard Diagnostics (OBD) port – A socket in your car, which is typically used by garages to identify faults with your car.
Self-installed device – the small box (also referred to as DriveXpert Plug-in) which you fitted into the OBD port of your car that collects and transmits data to us. The self-installed device shall, at all times, remain our property.
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 – Either a self-installed device or an installer-fitted unit, depending on your chosen option.
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.
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.
If you no longer have your car which has a telematics device, you must ensure that you inform Privilege immediately and before the new keeper takes possession, in order to stop future collection of data. If this does not happen, you must inform the new keeper of the vehicle that a telematics device has been installed and that telematics data will still be collected. Please go to section ‘What we expect from you’ to find out how to remove the device.
We cannot accept liability for damage to your car caused by your installation of a self installed telematics device.
You should also read the “Your personal information” section in your policy booklet, which contains important information relating to the details that you provide to us. Your policy booklet and these Terms and Conditions will apply to the data that we will collect from you, and explain how we will use it.
Once the telematics device has been activated, it will record and analyse data about the driving behaviour of you and anyone who drives your car. We and our suppliers will collect, process and store this information securely, ensuring that it is protected in line with industry best practice and our legal and regulatory requirements.
The telematics device will capture and send your specific location, direction and current speed amongst other factors to the supplier’s server and we will use the information to understand road type, road 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 self-installed device will also collect vehicle diagnostics 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:
When you give us your information, it may be shared within U K Insurance Limited, and suppliers.
We will only do this:
We may transfer rights and obligations under this agreement. We may share anonymous data received from telematics devices with the general public and other third parties. If we choose to do this, we will not release any information which identifies you.
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 suppliers will use your personal data for the purpose of sending out the telematics device or installing the telematics device only.
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.
In the event that the telematics device registers a likely impact, you will be contacted by our claims department by telephone to collect details of the accident.
Nothing contained in the above negates the requirement for you to report all accidents to us.
By opting into DriveXpert you agree to receive useful feedback emails, 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 contact you via phone 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.
You will be able to access your data (your score and Awards amount) online on the DriveXpert Portal via www.myDriveXpert.com. After you have registered on the Portal, you will be able to choose a username and password. By accepting these Terms and Conditions you accept that any individual who is provided with the password will be able to view the data collected by the telematics device.
Information on how to access and log on to the portal has been sent to you via email.
You have the right to see the information we hold about you through a Subject Access Request. If you would like a copy of your information, please write to:
The Data Protection Officer, Churchill Court, Westmoreland Road, Bromley BR1 1DP, quoting your policy reference. A fee may be payable.
You will receive a discount in the first year for taking part in DriveXpert, which will last for one policy year. At renewal your premium will be assessed and may go up or down depending on various factors, including your driving data.
Please note that you are only eligible for one telematics based discount per vehicle, per policy year. If you are using more than one telematics device, the higher discount will apply.
You are able to carry on with DriveXpert unless you decide to cancel, not to renew your insurance or choose to be removed from DriveXpert.
You must show this notice to anyone whose data has been supplied to us in connection with use of the telematics device.
To prevent and detect fraud we may at any time:
Law enforcement agencies may access and use this information. We may have to provide information and data concerning our policyholders if the police request this under section 29 of the Data Protection Act 1998. We will only do this where the police or other agencies have obtained a court order.
We and other organisations may also access and use this information to prevent fraud and money laundering, for example when:
We, and other organisations that may access and use information recorded by fraud prevention agencies, may do so from other countries.
We can provide the names and addresses of the agencies we use. Please contact us at, U K Insurance Limited, Churchill Court, Westmoreland Road, Bromley, BR1 1DP quoting your reference.
Should there ever be an occasion when you feel that we have failed to honour our promise, we will do everything possible to ensure that your complaint is dealt with quickly and fairly. If you have a complaint, please email us on support@privilege.com.
If we can’t come to an agreement, you can refer your complaint to the Financial Ombudsman Service who will be able to confirm if they can accept the complaint. You can download their complaint form and find more info at financial-ombudsman.org.uk.
You can also telephone them on 0300 123 9 123 or 0800 023 4567.
You can write to the Ombudsman, too. Their address is:
Financial Ombudsman Service
Exchange Tower
London, E14 9SR
