Additional Charges. n Unit transfer fee if you change vehicle - 40 n Disconnection fee if you cancel mid-term n Missed appointment fee - 30

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1 Safe Driver Guide

2 Additioal Charges The followig additioal charges may apply to your policy, please see Sectio 3 of your Safe Driver guide for a full descriptio of whe these amouts may be charged: Uit trasfer fee if you chage vehicle - 40 Discoectio fee if you cacel mid-term Missed appoitmet fee - 30

3 Your Guide ad Agreemet with us This Guide ad Agreemet sums up the key features ad requiremets of your Safe Driver policy, so you ca uderstad how it works at a glace. The clauses cotaied i this Guide ad Agreemet ad the followig Terms ad Coditios are i additio to those i the Our Guide to your Cover booklet, available at ad should be read i cojuctio with the policy documetatio eclosed i your Welcome Pack. By purchasig this Bell Safe Driver policy, which utilises Telematic techology, you are agreeig to the followig policy features ad processes: Sectio 1 Your Safe Driver uit Istallatio You coset to havig a Safe Driver Telematic uit professioally istalled i the isured vehicle, ad agree to make the vehicle available to our istallatio team withi 30 days of purchasig the policy. Where you are ot the ower of the vehicle you agree that the ower has coseted to this. We or our istallers will cotact you directly to cofirm a appoitmet. If the appoitmet is ot coveiet, you may arrage a more suitable alterative appoitmet as log as it falls withi the first 30 days of the cover period. The uit will be fitted discreetly by professioal egieers who have bee traied accordig to strict guidelies. The uit is compatible with ay type of car ad will ot affect maufacturer or aftermarket warraties that may apply to the isured vehicle. Our istallers will edeavour to visit at a time ad locatio of your choice, however some restrictios may apply. If for ay reaso we are ot able to istall the uit due to our failure or techical difficulties, you may choose to termiate the policy ad will be eligible for a full refud of ay premium paid, subject to you ot havig claimed uder the policy. If you fail to make reasoable efforts or fail to comply with istallatio i the first 30 days, we will treat this as a cacellatio request, ad termiate your policy with seve day s otice, i writig, to your last kow address. Documet Ispectio Like may isurers, whe a policy is purchased we check customer documets such as Drivig Liceces ad No Claims Bous however rather tha havig to sed these by post, all you eed to do is show them to the istaller, who will sca them ad sed them securely to us. Please preset the followig documets to your istaller: Your Drivig Licece (Photocard ad paper Couterpart) Valid MOT Certificate for the isured vehicle Proof of your No Claims Bous (if you are claimig ay) Page 1

4 Please ote that failure to provide the required documetatio may lead to your policy beig cacelled. If you are havig difficulty locatig your documets please call our Customer Services team o for assistace. Calls to 0871 umbers are charged at 8p per miute plus etwork extras. Theft Trackig If your vehicle is stole, please call our 24 hour Stole Vehicle Helplie o Calls to this umber cost 8.5p/miute plus VAT from a BT ladlie. Calls from other operators ad mobile phoes may cost cosiderably more. The secure operatig cetre will track your vehicle ad report its locatio directly to the Police, ad assist them i attemptig recovery. You will be required to report the theft to the Police ad obtai a Police Icidet Number, to verify a theft has take place. You will also eed to report the icidet to our claims departmet o Calls to this umber are charged at 5p per miute from BT Ladlies. Calls from mobiles ad other etworks may vary. Sectio 2 Your Drivig Oce the Telematic uit is istalled, just drive as you ormally would. The uit allows us to uderstad how safely you drive your vehicle, how far you travel ad whe you use it. I retur you qualify for a great upfrot isurace premium, ad get free Theft Trackig. We use the data the uit seds to us to assess the accuracy of your policy iformatio, ad to provide you with a drivig score based o how safely we iterpret your drivig. You ca view your drivig score, ad see how it has chaged over time via your ow persoal dashboard website. It is importat to remember that your drivig score ca be affected by the way other people drive the vehicle, so make sure your amed drivers are aware of this ad remid them to follow your example behid the wheel! Review Poits If whe you purchased the policy you agreed to a review poit six moths ito the policy term, we will compare your drivig score to that of other Safe Driver policyholders, ad adjust your premium based o how you have performed. We will iform you of ay chages to your premium i writig. Premium chages will be capped at the levels you agreed to whe you purchased the policy. If you are usure whether you have agreed to ay review poits, please refer to your welcome or call us o for cofirmatio. Calls to 0871 umbers are charged at 8p per miute plus etwork extras. What about speed? We appreciate that it s difficult to always drive withi the speed limit, ad occasioally exceedig limits by small amouts will ot affect your policy. However, persistet or excessive speedig will impact your drivig score, ad that could lead to your isurace premium risig at reewal or the six moth review poits (if you have agreed to the review). IMPORTANT Dagerous speedig As this is a Safe Driver policy, dagerous speeds are treated seriously. As a result, if the Telematic Uit detects that your vehicle has bee drive at 100mph or over o a public road, your policy will be cacelled. We will write to you ad Page 2

5 provide you with seve days otice of cacellatio before your policy is termiated. Assistace Calls If the Telematic uit detects a impact which is severe eough to idicate a crash, it will otify our assistace team, who may try to cotact you to check you are safe ad to offer you crash assistace i lie with the cover you hold uder your policy. Sectio 3 Fees ad Charges There is o charge to you for iitial istallatio ad use of the Telematic uit. You will ot be charged ay discoectio fees if you reach the ed of your Bell policy ad decide ot to reew. If your uit develops a fault ad techical support or a egieer call out is required, you will ot be charged ay fees. However, i the circumstaces below the followig fees will become due: You must iform us beforehad if you ited to chage your vehicle. The uit i your old vehicle will eed to be removed, ad a ew uit will be fitted to your ew vehicle. This process will icur a 40 service ad fittig charge. If you cacel a arraged appoitmet with oe of our istallers with less tha 24 hours otice, or fail to atted a pre-booked istallatio appoitmet, you will be charged a 30 fee to cover costs icurred by the istallers. If you choose to cacel your policy withi the first 14 days, before the istallatio of the uit, the our cacellatio charge of applies (subject to you ot havig made a claim uder the policy) If you decide to cacel your policy before the agreed policy term eds, the uit will be deactivated ad you will be subject to a discoectio fee of 100. This fee is i additio to ay mid-term cacellatio fees detailed i the Bell Guide to your Cover booklet. If you decide you o loger wish to utilise the Telematic uit istalled i your vehicle, this will be treated as a cacellatio request ad the discoectio fee will apply. Your Data ad Privacy We take your privacy seriously, ad are committed to dealig with your data i accordace with the Data Protectio Act 1988 ad Europea Data Protectio Directive. Please see the Terms ad Coditios for full details of how we protect your privacy ad process your data. Page 3

6 Further Defiitios specific to supplemetary Terms ad Coditios Free Tracker, Safe Driver Uit, Telematic Uit or Uit, meas electroic o-board equipmet (icludig coectios ad related wirig) which records ad trasmits vehicle usage data to us ad which is fitted to your vehicle by us or our agets. We, Our, Us, meas Bell, part of the Admiral Group, a tradig ame of EUI limited, who provide the isurace policy ad ow the Telematic Uit. OCTO meas Octo Telematics S.p.A, who provide the services associated with the Telematic Uit Your Vehicle meas the private car isured uder the Bell isurace policy. Supplemetary Terms & Coditios Summary It is a coditio of this isurace policy that you have a Telematic Uit istalled i the isured vehicle ad that it remais i use at all times. The uit is owed by EUI limited, tradig as Bell. The uit is licesed to you for the purposes of the Safe Driver isurace policy, icludig services such as Theft Trackig o Demad. The uit is comprised of a small box ad coectors, which will be fitted discreetly ito your vehicle professioally by a approved istaller service. We will arrage for a techicia to visit you ad istall the device. The device allows us to verify the maer i which the vehicle is drive, ad to check iformatio you have provided such as the aual mileage the vehicle covers ad where it is kept overight. Istallatio Our appoited istallers are fully traied to istall the Telematic Uit i your vehicle to appropriate idustry stadards, ad they will do so with reasoable care ad diligece. We or our istallers will cotact you to arrage a time ad locatio for the istallatio of the Telematic Uit i Your Vehicle. IMPORTANT The Telematic Uit must be istalled i your vehicle withi the first 30 days of the policy, or your isurace policy will be cacelled. Shortly after you purchase the policy, our istallers will cotact you by phoe call ad SMS message to book a istallatio appoitmet. If you miss the calls, you should cotact the istallers by telephoe to book a appoitmet, usig the cotact details they have provided via SMS or voic . At the poit of bookig, our istallers will edeavour to provide you with a choice of coveiet appoitmets at suitable locatios withi the 30 day timescale. If you rearrage a appoitmet, you must esure the ew appoitmet falls withi the first 30 days, or you risk policy cacellatio. It is your resposibility to esure that ay other party who has a iterest i the owership of your vehicle (such as your Page 4

7 parter or a hire purchase compay) has agreed that the Telematic Uit ca be istalled i your vehicle. It is also your resposibility to esure that ayoe else who uses your vehicle is aware that a Telematic Uit is istalled, ad that it gathers data about the use of the vehicle. Late Cacellatio of Appoitmet If you do ot preset your vehicle at the time ad locatio agreed with us or our istallers for the istallatio or de-istallatio of the Telematic Uit, or if you cacel such a appoitmet with less tha 24 hours otice the we reserve the right to charge you for the costs the istallers icur as a result. Curretly this fee is set at 30, ad this amout will be charged to you via your Bell policy. Documet Ispectio For ewly purchased policies we will ask you to provide documetatio at the poit the uit is istalled, so our istaller ca take virtual copies that will be trasmitted back to us securely ad wirelessly. You will be required to provide the followig documetatio to us at the poit of istall: Your Drivig Licece (Photocard ad paper Couterpart) Valid MOT Certificate for the isured vehicle Proof of your No Claims Bous (if you are claimig ay) Our istallers will ot be authorised to istall the Telematic Uit i your vehicle if you fail to provide the relevat documetatio, i which case a missed appoitmet fee of 30 may apply. Your policy may also be cacelled if you fail to supply the required documetatio withi the first 30 days of the policy. Dealig with Faults ad Limitatios of Service We, via Octo s appoited etwork of istallers, will perform the iitial istallatio of the Telematic Uit at o charge to you. The Telematic Uit has obtaied all the relevat techical approvals ad idicators of complete safety ad reliability, so will ot harm or iterfere with your vehicle. The uit is compatible with ay type of vehicle, ad will ot affect ay maufacturer or aftermarket warraty that applies to the isured vehicle. The approved etwork of istallers cosists of qualified staff, who have bee carefully selected ad traied accordig to strict guidelies. The istallatio service provided is guarateed agaist faulty workmaship ad/or materials. Durig the agreed isurace term ay faulty or icorrect istallatio will be rectified free of charge. If, durig the term of the isurace policy, the Telematic Uit is suspected by us to be defective, we will cotact you ad make all reasoable edeavours to repair or (at our optio) replace the uit free of charge. If durig this term you suspect the Telematic Uit to be defective for ay reaso you must otify us as soo as possible, by callig our helplie o to eable us to ivestigate ad if ecessary to repair or (at our optio) replace the Telematic uit i your vehicle free of charge. Calls to the helplie umber cost o more tha stadard atioal rates from a BT Page 5

8 Page 6 ladlie, Calls from mobiles ad other etworks may vary. If a visit from a egieer is required to repair or replace your uit, you will agai be cotacted by us or the istaller etwork, ad give a choice of appoitmets to suit you. You must esure your vehicle is made available to our egieers withi 30 days of our request to ispect the uit, or your policy may be cacelled. You accept that the Telematic Uit uses the battery power supply ad so there may be a small drai o your battery eve whe the vehicle is ot beig used. You accept it is your resposibility to maitai your vehicle ad battery i good workig order. To help alert you of ay battery issues, we will sed you a SMS alert if the uit detects a low battery charge. The collectio ad trasmissio of data by the Telematic Uit ad the provisio of the Theft Trackig o Demad may occasioally be impaired or iterrupted by operatioal ad/or atmospheric coditios, power failures, or other causes, coditios or evets beyod the reasoable cotrol of Admiral Group or Octo, or the capabilities of the Telematic Uit. The trasmissio ad receipt of data is depedet upo mobile telecommuicatios services ad you ackowledge that this service may be iterrupted, circumveted or compromised. If trasmissio of data is affected i the maer described i this paragraph, this does ot ecessarily mea the Telematic uit is defective. However, we ad/or Octo will make reasoable efforts to rectify the problem with such trasmissio where it is possible for us to do so. Durig the agreed policy term we may, at our discretio, replace the Telematic Uit at our expese with ay other Telematic Uit providig you with at least the same fuctioality. This will eable us to esure the Telematic Uit is updated if there are techological chages or improvemets. Tamperig The uit has tamper cotrols ad attack safe guards. If the itelliget alert system is triggered it will otify Octo of ay uauthorised tamperig with the device. A ivestigatio will be iitiated ad a physical ispectio by a egieer will be required. You will ot, or will you permit ay other perso to tamper with, reverse egieer, dismatle, remove the SIM from, relocate or make ay alteratios, additios or improvemets to ay part of the Telematic Uit. You will ot, or will you permit ay other perso to tamper with the GPS/ GSM sigal that is emitted from the Telematic Uit. Whilst you are a policyholder, o oe other tha us ad/or our agets or service providers may istall, de-istall, modify or repair the Telematic Uit. Please ote that tamperig with the Telematic Uit will ivalidate all warraties relatig to the uit ad istallatio, ad also ivalidate the isurace cover provided. Damage or loss caused by ay form of tamperig or o-permitted iteractio with the Telematic Uit is ot covered by this isurace policy. If followig a ivestigatio you or ayoe else is prove to have tampered with the Telematic Uit, you will be required to pay for ay reasoable costs we, the istaller, or Octo have icurred icludig

9 deistallig, repairig or replacig the defective Telematic Uit or parts thereof. Your isurace policy will also be cacelled ad you will be liable for the discoectio ad cacellatio fees outlied i the additioal charges sectio of these terms ad coditios. Cacellatio of Your Isurace Policy ad impact o the Telematic Uit If the isurace policy is cacelled all Telematic services ad features relatig to Telematic services will cease to apply. You should ot attempt to remove the Telematic Uit from the vehicle yourself as it will have bee itegrated ito your vehicle. We will ot be resposible for ay damage to the isured vehicle caused by de-istallatio of the Telematic Uit by you or ayoe actig o your behalf. To otify us of your itetio to cacel your policy ad discuss your optios, please cotact Bell Customer Services o Calls to 0871 umbers are charged at 8p per miute plus etwork extras. Normally, if you cacel your policy midterm we will remotely deactivate the uit so it caot collect or trasmit ay data. As we ca o loger use this hardware, you will be required to cover the costs of such deactivatio. These costs will take the form of a discoectio charge, ad will be separate to ay cacellatio fees that may apply as part of your Bell policy. Similarly, if at ay time you o loger wish to use the Telematic Uit ad ask us to remotely deactivate it, we will treat this as a cacellatio request made by you ad discoectio ad cacellatio fees will be charged i lie with those explaied i the Additioal Charges sectio. O occasios we may request that the Telematic Uit is physically removed from your vehicle. If this occurs the discoectio fee will be charged to cover the call-out ad removal charges we icur, so the cost to you will ot chage. If you decide to cacel your policy at reewal, the uit will be left i place i a discoected state ad will ot collect or trasmit ay data. I these cases you will ot be charged. If you wish for the uit to be de-istalled the a charge will apply to cover call out ad removal charges. Agai this will be equal to our mid-term discoectio charge. Review Poits If whe you purchased the policy you agreed to a review poit six moths ito the policy, we will compare your drivig score to that of other Safe Driver policy customers, ad adjust your premium based o how you have performed. If you have agreed to the relevat review poit, you will receive a additioal discout if you are i the top 25% of drivers. If they agreed to purchase this versio of the product, customers i the bottom 25% will see a icrease i premium, which will be charged to the paymet method we hold o file. I all cases we will iform you of ay chages to your premium i writig, ad premium chages will be capped at the levels you agreed to whe you purchased the policy. Please refer to your welcome for a summary of the review poits you have agreed to, or call our Customer Services team o for a remider. Calls to 0871 umbers are charged at 8p per miute plus etwork extras. Page 7

10 Damage to the Telematic Device as a Result of Accidetal Damage to or Theft of Your Vehicle Whilst the vehicle i which the Telematic Uit is istalled is isured uder your Bell policy the Telematic Uit will also automatically be isured uder the policy. If you make a claim uder your policy for damage to or loss of the Telematic Uit whilst istalled i your vehicle, ad Bell agree to settle this claim, we will repair or, at our optio, replace the Telematic Uit subject to the terms ad coditios of your policy, ad subject to the policy cotiuig. Your Drivig We use the iformatio from the Telematic Uit to assess how you drive ad look for patters of safe drivig behaviour. We also use iformatio from the uit to check the accuracy of iformatio you have declared to us whe you purchased the policy. We reserve the right to adjust or correct policy iformatio relatig to your aual mileage, where your vehicle is kept overight ad what your car is used for if the Telematic Uit idicates these details are icorrect or have bee misrepreseted. If ay such adjustmets are required which affect your isurace premium, we will otify you, i writig, i advace of ay charges or refuds beig made. Throughout your policy term we will compare your drivig to that of other customers with Safe Driver policies, ad provide you with a drivig score based o how you drive, ad how you re drivig compares to other customers. This score will be made available to you via your ow persoal dashboard website. We may periodically sed you remiders of your drivig score ad other score-related feedback via , SMS, ad i writig. IMPORTANT Dagerous speedig As this is a Safe Driver policy, dagerous speeds are treated seriously. As a result, if the Telematic Uit detects that your vehicle has bee drive at 100mph or over o a public road, your policy will be cacelled. We will write to you ad provide you with seve days otice of cacellatio before your policy is termiated. Data Protectio ad Privacy Data Use For the purpose of providig you with the policy, the data cotrollers for ay persoal data you supply or recorded by the Telematic Uit are EUI Limited ad Octo Telematics S.p.A. Both compaies ad ay agets ad/or service parters they appoit will process your iformatio i accordace their respective resposibilities uder the Data Protectio Act 1988 ad the Europea Data Protectio Directive. To protect your iformatio captured by the Telematic Uit, it will be trasmitted i a secure format. From the istallatio, we will use the Telematic Uit to capture data from your vehicle relatig to the date, time, locatio ad other associated vehicle iformatio. We will gather data from your vehicle to eable us to: Test your Telematic Uit (e.g. durig istallatio) Provide you with a isurace premium based upo your drivig performace Provide you with Theft Trackig o Demad ad ay additioal optioal Page 8

11 services that may become available, that you agree to durig the lifetime of your policy, which require use of the Telematic Uit. It is importat that you otify ay authorised perso that drives your vehicle that a Telematic Uit has bee istalled ad that their jourey will be moitored ad data collected. Bell, Admiral MultiCar, Octo, ad those actig for both compaies, will use the data captured by the Telematic Uit for the purposes of: 1. Calculatig ad chargig isurace premiums based upo actual vehicle usage 2. Cotrollig your persoal data for the purpose of providig you with services relatig to the isurace policy. We will process your iformatio i accordace with our resposibilities uder the Data Protectio Act 1998 ad Europea Data Protectio Directive. 3. Carryig out the istallatio, deistallatio, servicig or testig of the Telematic Uit; 4. Geeral research ad aalysis, mappig purposes, researchig ad refiig techiques for aalysig motor Telematics data ad the supply of traffic iformatio. I all such circumstaces the iformatio will be used aoymously ad will ot idetify ay idividual, vehicle user, or the policyholder 5. Eablig Bell, Octo ad ay service parters, to cotact you by post, electroic mail, telephoe or text messagig regardig the admiistratio of your isurace policy ad the associated services. 6. Provisio of the isurace services uder the policy, icludig maagemet of claims, uderwritig ad policy servicig. Data will be used for ay uderwritig or claims developmet or ivestigatios that may be required, ad for fraud prevetio ad detectio purposes. O Demad Theft Trackig ad Recovery I the evet of theft of your vehicle, Octo will attempt to locate ad recover it usig the Theft Trackig service. The Telematic Uit fitted to your vehicle has GPS/ GSM trackig fuctioality. Please ote that our ability to recover your vehicle is ot guarateed ad that Octo are ot liable for ay costs associated with your vehicle s repair or replacemet. Claims for theft or damage resultig from theft or attempted theft will be subject to our stadard claims maagemet practice. Theft Trackig Process If you discover that your vehicle has bee stole you must call Octo s 24 hour Emergecy Assistace room o Calls to this umber cost 8.5p/miute plus VAT from a BT ladlie. Calls from other operators ad mobile phoes may cost cosiderably more. You will be coected directly to a operator for immediate assistace. The operator will verify your vehicle details ad explai the vehicle trackig ad recovery process. The cotrol room will immediately start trackig the isured vehicle to establish its whereabouts. If You have ot already doe so, You will be asked to cotact the Police to report the theft ad call back immediately with a Police Icidet Page 9

12 Number or Crime Referece Number as Police Forces require keyholder verificatio of a theft before they ca act to recover the vehicle. You must also cotact the Bell claims departmet o ad follow the claims process outlied i the Bell Guide to your Cover. Calls to this umber are charged at 5p per miute from BT Ladlies. Calls from mobiles ad other etworks may vary. Oce the trackig feature service has bee activated ad the police have issued a icidet umber/crime referece umber, the helplie advisor will liaise with the relevat Police Force to seek to recover the isured vehicle. Whe the Police secure the stole vehicle, arragemets will be made with you for the vehicle to be collected. However, the Police may require it to be take to a secure compoud for further ivestigatio. You will be liable for ay statutory Police recovery & storage charges, as you ormally would. These are payable directly to the Police. Page 10

13 Notes Page 11

14 Page 12 Notes

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16 This booklet is made from recycled paper. BL

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