Discovery Insure Driving Challenge Frequently Asked Questions

Transcription

1 Discovery Insure Driving Challenge Frequently Asked Questions

2 Introduction Discovery Insure is motor insurance for good drivers. We use cutting-edge telematics technology to measure our clients driving behaviour, and we then reward them with monthly fuel rewards for driving well. Discovery Insure clients drive better, receive millions of rands in fuel rewards every month, and experience fewer and less severe accidents. We ve developed an innovative smartphone app that gives every South African Discovery Insure client or not the ability to measure and improve their driving behaviour. And so we have launched the Discovery Insure Driving Challenge. Taking part is simple. All you have to do is download the free Discovery Insure app from the App Store or Google Play Store, and get out there and drive. You can win your share of R1 million in fuel vouchers!

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4 01 Devices and costs IS THE DISCOVERY INSURE APP AVAILABLE FOR DOWNLOAD ON ALL SMARTPHONES? The Discovery Insure app is currently only available for ios and Android operating systems, and for the following handsets: ANDROID ios Samsung Motorola Droid Motorola HTC LG Sony Google Huawei Apple Galaxy Mega 2 Droid Mini Moto X HTC One (M8) LG G3 Xperia Z2 Nexus 5 Honor 6 iphone 6 Plus Galaxy Mega 5.8 I9150 Droid Ultra Moto G (2014) HTC One E8 LG G3 Stylus Xperia T2 ULTRA Nexus 4 P7 iphone 6 Galaxy Mega 6.3 I920 Droid Maxx Moto G Dual SIM (2014) HTC One E8 CDMA LG G3 A Xperia Z1 COMPACT (4.3+) P8 iphone 5S Galaxy S5 Mini Moto G 4G HTC One Max (4.3+) LG G3 LTE-A Xperia Z1S (4.3+) iphone 5C Galaxy S5 Sport Moto X (2014) HTC One Mini (4.3+) LG (CDMA) Xperia Z1F (4.3+) iphone 5 Galaxy S5 Active HTC One (M7) (4.3+) LG G Pro2 Xperia Z1 (4.3+) iphone 4S Galaxy S5 HTC Droid DNA (4.4.2) LG G Flex Xperia Z (4.3+) Galaxy S4 Active HTC Evo 4G LTE (4.3+) LG G2 Xperia ZL (4.3+) Galaxy S4 LG G4 Xperia SP (4.3+) Galaxy S3 Neo LG G FLEX2 Xperia ZR (4.3+) Galaxy S3 LG Optimus G Pro (4.4.2+) Xperia Z ULTRA (4.3+) Galaxy Grand I9082 LG Optimus G (4.4.2+) Xperia T (4.3+) Galaxy J LG VU (3.0) Xperia TX (4.3+) Galaxy Note 3 Xperia VL (4.3+) Galaxy Note 4 Xperia V (4.3+) Galaxy K Zoom Xperia AX (4.3+) Galaxy S4 Zoom Xperia Z3 (4.3+) Galaxy S6 Edge Xperia Z3 Compact Galaxy S6 Galaxy Alpha To download the app from the App Store, you need to have a South African registered itunes account.

5 01 Devices and costs THE APP WON T DOWNLOAD ON MY ANDROID DEVICE. WHAT ARE THE MINIMUM REQUIREMENTS FOR THESE DEVICES? The Discovery Insure app works on smartphones running Android 4.3, that have an accelerometer, gyroscope, GPS, Wi-Fi and other required hardware sensors. Smartphones that do not have all this functionality or cannot meet all the requirements unfortunately could not be included. Always make sure the latest operating software is installed on your smartphone. WHAT WILL IT COST ME? You can download the Discovery Insure app for free. You may need to pay for data charges when using the app as we need to upload your trip data to determine your driving score. This upload can be done through Wi-Fi or mobile data. You can manage these upload options in Settings. Mobile data usage (if selected), will be charged at normal provider rates. This includes downloads and any updates. HOW OFTEN DOES THE APP SEND DATA? The app does not send any data during a trip; only when a trip has been completed. When the recording of your trip stops, the app will try and send your trip data to us via your mobile data network. The app will continue to retry until you have mobile data coverage. You can change this setting, so rather than sending the data to us over your phone provider s data network, the app will only do this when you re next connected to Wi-Fi (go to Settings in the app). WHAT HAPPENS WHEN I VE DOWNLOADED THE APP BUT REPLACE MY SMARTPHONE? You can install the app on your new phone and when you reactivate with your ID number, all of your trip data will show on your new phone. WILL I EXPERIENCE SIGNIFICANT BATTERY DRAIN FROM USING THE APP? No, the Discovery Insure app uses both GPS and Wi-Fi to detect vehicle location and movement. The app also uses batteryefficient methods to automatically determine the start of a trip and stops detailed monitoring after a trip ends. The app is aware of your battery life and it will not use the GPS while your phone is not moving nor will it start monitoring a drive if the battery is low. Although the app has been designed to use the phone s sensors in a battery-efficient way, running it without a charger on long trips may drain the battery, so we recommend using a car charger in these instances. An average driver who drives about one hour per day and uses a typical smartphone may experience battery drain in the range of 15% to 20% over the day.

6 02 Getting started WHAT INFORMATION IS NEEDED WHEN I REGISTER? You need to give us your name and surname, contact number, ID number, region and address so we can keep in touch with you and give you feedback on your driving and update you on the competition. We d also like you to tell us more about the car you drive. You can provide these details in Update details. WHICH SETTINGS NEED TO BE ENABLED ON MY SMARTPHONE FOR THE APP TO FUNCTION CORRECTLY? The following settings should always be active on your smartphone: GPS and Location Services, Bluetooth, mobile and cellular data, and Background app refresh. This will ensure that we accurately monitor your driving behaviour. If you do not have a South African ID, please us at discoveryinsuredrivingchallenge@discovery.co.za and supply a photocopy of your passport, the province you live in, the address you want to register with and your mobile number. We will register your account and your login details to you. Note, that to download the app from the App Store, you need to have a South African registered itunes account. If you are a Discovery Insure client with a smartphoneenabled DQ-Track, you are automatically in the competition. If you have a standalone DQ-Track and a compatible smartphone, you can still download the app and join the competition.

7 02 Getting started HOW DO I CHANGE MY SETTINGS? You ll be able to do this in Settings. I M NOT SURE HOW TO USE THE APP. WHAT DO I DO? Go to your Settings and activate the Show help screens option. These will guide you when you use the different sections of the app. CAN I USE MY IPAD OR TABLET? The app has been designed for use on smartphone handsets only. I USE MORE THAN ONE PHONE. SHOULD I DOWNLOAD THE APP ON EACH PHONE? HOW CAN I BE ASSURED THAT MY DATA IS KEPT PRIVATE? Discovery Insure adheres to information protection legislation. When you download and make use of the Discovery Insure app, you give permission for the exchange of your personal information and the personal information of any insured party on your Plan between Discovery Insure and all the Discovery Insure partners. These sources are bound by their own promise to look after your information and make sure it is used in the right way. While we promise to always keep your information safe, neither Discovery Insure nor any entity in the Discovery Group of Companies is responsible for the personal information processed or any loss thereof. You can, but you ll likely have one main phone you always tend to carry. We recommend you download and use the app on this phone only.

8 03 Driving HOW DOES THE DISCOVERY INSURE APP MEASURE MY DRIVING? The app uses your smartphone s accelerometer and GPS to determine how well you drive. We ll measure how you operate your motor vehicle in terms of acceleration, braking, and cornering, as well as the speed it travels versus the speed limit. Smartphone usage during a trip will also be monitored, as well as night-time driving, when most bad accidents happen. After each journey, your driving data will be sent to us, we ll analyse it and give you feedback on your driving. We ll also give you a driving score of up to 850. You can view your score on your Dashboard. You ll get up to 100 points for acceleration, braking, cornering and cellphone use while driving. You get up to 150 points for distance travelled, night driving and driving over the speed limit. On your Leaderboard, we ll show your score out of 100. You can see an overview of your trips in My trips as well as a detailed Trip summary for each trip. This is where we ll show you your harshest driving incidents. Severe harsh events will be indicated by an exclamation mark. To help you improve your driving, check out our recommended Driving tips in the main menu. I VE NOTICED THAT THE APP SOMETIMES DOESN T RECORD A FULL TRIP. WHY IS THAT? The Discovery Insure app makes use of proprietary movement calculations that allows the app to automatically determine when the smartphone is in a vehicle and to start recording a trip. It also uses this same technology when the trip has ended. As the calculations depend on movement being identified, it can sometimes take up to 5km or 5 minutes of driving time to determine if a trip has started (this is more the exception than the norm). Therefore, you may sometimes notice missing parts of the trip, typically at the beginning plotted on the map or a missed trip if it was less than 5km or took less than 5 minutes of driving time. If your trips are not recording you can force close the app, reboot the device, and restart the app. WHY DOES THE APP SOMETIMES NOT RECORD MY DRIVING DATA AT ALL? You need to make sure the app is open and running on your smartphone. This is especially important for ios devices as the app won t record any trip data if it s been force closed. For Android devices, trips may not be detected automatically if the app, or the Google Play store application, have been updated. You ll be required to disable the GPS and Wi-Fi, re-enable it and then restart the device. The app may also not record trips if your battery percentage is below 10%. WHAT IF I M A PASSENGER IN MY OWN CAR OR SOMEONE ELSE S CAR, USE THE BUS OR THE GAUTRAIN? If you are a passenger on a trip, you ll be able to swipe to select this option when the trip is complete. You will also be able to select the applicable option in My trips.

9 03 Driving WHERE IN THE CAR IS THE BEST PLACE FOR MY SMARTPHONE WHEN I M DRIVING? It s best to place your smartphone in a stable position anywhere in the car we don t recommend placing it in the side pockets of the door or any place where it might slide around while driving. If you are using a hands-free cradle then it needs to be secure and hold the phone in a fixed position so that it does not move around, otherwise the app may give inaccurate results. WITH PHONE MOTION/ACTIVITY, WHY IS MY TRIP SHADED PINK OVER A LARGER AREA THAN WHEN I WAS ACTUALLY USING MY PHONE? If there was phone motion/activity during your trip, we highlight an entire section of the road in pink so it s easy to see. However, your trip scores only reflect the portion of the trip where true phone motion/activity was recorded (while the vehicle was in motion). WHAT HAPPENS IF I USE MY SMARTPHONE WITH A HANDS-FREE KIT? There will be no impact to your trip assessment or driving score if you use a hands-free kit or other Bluetooth connections. However, when we notice that your attention has moved to using your phone by texting, manual dialing or receiving calls while your car is moving, then your score will be impacted. WHAT IF I DON T USE OR FORGET TO SWITCH ON THE APP? The app detects when you re travelling and automatically starts monitoring your trip. It has been defaulted to be switched on when you download the app. If we do not see any monitored driving, we ll remind you to use the app when driving. DO I NEED TO DO ANYTHING TO THE APP WHEN DRIVING? No. You do not need to look at or touch our app while driving. Provided the app is running, we will take care of switching on and off monitoring automatically. WILL YOU REPORT ME FOR DRIVING BADLY? The app is intended to help you improve your driving through providing you with details of your trips and driving improvement tips. Your driving data will not be released to any traffic authorities. HOW CAN I TELL MY FRIENDS ABOUT MY GOOD DRIVING BEHAVIOUR? You can share your Leaderboard to your Facebook page. Just tap on the Share icon in the top menu. You can also invite your friends to join the Challenge. They ll automatically be added to your Leaderboard if they accept, and you can start competing. CAN I USE THE APP WHEN I TRAVEL OUTSIDE SOUTH AFRICA? Yes, you will be able to use the app overseas but to qualify for the competition, at least 80% of your travel must take place within the borders of South Africa. The app is not downloadable with non-south African itunes accounts.

10 03 Driving Distracted driving Speeding Harsh cornering It s been proven that drivers who use a cellphone while they drive are eight times more likely to be involved in an accident than those who don t. Texting also reduces reaction times by 35%. Please put your phone away while driving and focus on the road! Speeding leads to a much higher risk of a car accident. Allow more time to reach your destination so you don t have to rush. Your speed should reflect the speed limit, road conditions, and visibility. For example, reduce your speed when it rains or when visibility is poor. Cornering should be done in a fluid motion that doesn t cause you to move too much in your seat. You should achieve the appropriate turning speed before entering the corner. You don t know what could be waiting around a bend something or someone could be walking across the road. Harsh braking Harsh braking increases your risk of a car accident. Always leave a three-second gap between your car and the car in front of you. An indication of harsh braking is if a loose object in the car slides forward when you brake. Night-time driving Driving at night increases your risk of being in an accident by 10 times. If you drive at night, reduce your speed and increase your following distance. When possible, plan trips during the day rather than late at night. Harsh acceleration Accelerating harshly wastes fuel and can put you and your passengers in danger if you don t have enough time to react. An indication of harsh acceleration is if a loose object in the car slides backwards when you accelerate. If you re feeling stressed, take a minute to breathe deeply and count to 10; you ll feel better!

11 04 EARNING TICKETS HOW DOES MY DRIVING EARN TICKETS? Every trip contributes to your overall driving score, and earns you tickets for the prize draws, as follows: Five-star trip = five tickets Four-star trip = four tickets Three-star trip = three tickets Two-star trip = two tickets One-star trip = one ticket WHAT DO THE STAR RATINGS MEAN? Each trip is scored out of a maximum of five stars to a minimum of one star. We consider four or five star trips to mean you drove more safely than average (good job!). Two to three stars means you drove at an average safety level, and one star means you drove at a higher risk level than the average driver (which increases your chances of a major accident). HOW ELSE CAN I EARN TICKETS FOR THE COMPETITION? Grow your Leaderboard by inviting your friends. For each participant you invite and who accepts, you ll get 25 tickets. HOW DO I ADD MY FAMILY AND FRIENDS TO COMPETE WITH ME ON MY LEADERBOARD? Simply click on Add friends in your main menu and use the methods available to invite your friends and family. You can invite them through your phone book, provided they are listed with addresses. They ll be listed as Contacts with the app. You re able to invite your friends by SMS too. You can also invite them by typing their address manually after clicking on the icon in the top right corner of the Add friends screen. You can also invite them through Facebook. You ll see the status of your invites in the Sent screen. You ll find invites that have been sent to you in your Inbox. HOW WILL I KNOW WHEN I VE RECEIVED FRIEND INVITATIONS? IS THERE A LIMIT TO THE NUMBER OF FRIENDS I CAN INVITE? No, there is no limit. WHAT HAPPENS TO THE TICKETS I EARN? Each ticket you earn from driving and inviting friends (who accept) equals more tickets in the prize draws and ultimately, more chances to win! They won t reset and will accumulate over the competition period. Keep checking out your Dashboard to see how many tickets you ve earned. If you are joining the Challenge again from last year, you will get 100 bonus tickets to get you started. The app will notify you when you receive new friend invitations. You ll be able to accept or ignore these. You can have some fun with your new friends by giving them a thumbs up or hooting at them.

12 05 PRIZES WHAT PRIZES CAN I WIN? HOW WILL I KNOW IF I VE WON? You ll receive tickets for your driving score, for each individual trip as well as for the successful friend invites you send. Your tickets will be entered into the prize draws over the competition period. We are giving away R1 million in fuel vouchers. We ll definitely call you and send you an if you re one of our lucky winners. You can also check out our competition webpage at and our Facebook page. Also keep your eye out for special challenges that will be running. WHERE CAN I FIND MORE DETAILS ABOUT THE COMPETITION? View your Dashboard to see how many tickets you have in the prize draws. We ll also send you a weekly with this info, as well as tell you the names of the winners and other interesting competition details.

13 06 About Discovery Insure WHAT IS DISCOVERY INSURE? We offer comprehensive, flexible and affordable shortterm insurance options for your car, home and valuable items. We provide you with valuable benefits like paying no excess if you have a valid claim for damage caused by theft, hijacking, hail, storm or fire. By taking out car and home insurance with us, joining our driving programme, Vitalitydrive and driving well, you can earn up to R800 of your BP fuel and Gautrain spend back every month. HOW DO I JOIN DISCOVERY INSURE? WHAT IF I AM ALREADY A DISCOVERY INSURE CLIENT? If you are already a Discovery Insure client, you can still download the app and compete with your friends. Your driving results from the app will not contribute to your Vitalitydrive Driver performance score or monthly fuel rewards. These will continue to be calculated from your driving behaviour measured by the DQ-Track in your car. WHAT IF I HAVE MORE QUESTIONS ABOUT THE DRIVING CHALLENGE? Click on the Get a quote button in the app and we ll call you back! You can also visit our website, to read more and leave your details, or speak to your financial adviser. You can send us an at DiscoveryInsureDrivingChallenge@discovery.co.za, visit or find us on Facebook. HOW IS IT POSSIBLE TO GET UP TO R800 BACK IN FUEL REWARDS EACH MONTH? There are a few things you need to do to get up to R800 back in fuel rewards every month.

14 Discovery Insure 155 West Street Sandton PO Box , Benmore 2010 Contact centre Discovery Insure Ltd is an authorised financial services provider. Registration number 2009/011882/06. Limits, maximum fuel and Gautrain spend limits, terms and conditions apply. Go to for more details or call GM_33072N_24/07/15_V3