The Terms and Conditions of Use for the AutoMate Insurance App apply in addition to the Terms and Conditions for Motor Vehicle Insurance of AutoMate Insurance. Unless specified otherwise below, the Terms and Conditions of Use apply in the version in force at the time the contract is taken out.
The AutoMate Insurance app gives you a discount on your car insurance in the form of a premium reduction the following year. For this, the AutoMate Insurance app logs data to rate how you drive. To use the AutoMate Insurance app, you must download and activate the app within two weeks of the start of the contract. If your driving is rated positively and no claims are made, the premium the following year is reduced.
A current insurance contract for motor vehicles must be in place with AutoMate Insurance, taken out with “Pay As You Go” option.
The AutoMate Insurance app must have been duly activated on the smartphone of the most frequent driver of the number plate insured.
Each trip is rated with a points score. The rating per trip is calculated from the following driving data measured and transmitted by the app:
The rating per trip is displayed in the app. A low score means driving was rated as poor. A high score means driving was rated as good.
The calculations are based on scientifically recognised mathematical/analytical models and procedures. This means that, for example, the criteria can be weighted by their explanatory power for the risk of accidents. Analyses also take into account the relationship between driving, the driving conditions and loss events. The probability of you being involved in an accident and the costs that will likely be incurred are compared with the figures for other drivers who drive in a similar manner. Thresholds are taken into consideration.
„Attentive driving”
The top diversion while driving is probably using your phone. You only have to pick the device up for a quick glance at your latest message to considerably reduce your speed of reaction should a sudden manoeuvre become necessary, such as braking or swerving. Any smartphone activity logged during a trip has a negative impact on the rating and is most likely closely related to the probability of an accident.
„Aware driving”
Failure to adjust speed and breaking the speed limit in town or when driving in the country is a frequent cause of major road accidents. The general speed profile is a key element in the rating. Any oneoff, brief speeding over the limit is less important. General speed is most likely closely related to the probability of an accident.
„Calm driving”
Aggressive driving such as frequently braking sharply or accelerating rapidly is another traffic risk factor. This applies particularly during risky manoeuvres. Risky means, for example, driving inappropriately into bends, when turning off or when setting off. Driving hesitantly or inattentively can also lead to errors at the wheel. Individual spontaneous driving manoeuvres are less significant. Braking sharply in a dangerous situation, for instance, is the right reaction. What matters for the rating is general behaviour when accelerating, braking, steering and taking bends. This behaviour is most likely closely related to the probability of an accident.
„Contextual driving”
The time of day when you normally drive can affect the risk of you having an accident. Driving at night, for example, is riskier than during the day. There are many reasons for this:
Driving in heavy traffic (e.g. during the rush hour) is riskier than when things are quieter.
The type of road you tend to take can also affect your risk of having an accident:
Overall driving rating
Often one single criterion, such as driving at unfavourable times, can lead to an inappropriate rating of your driving if considered in isolation. For example, driving home from work at night is not in itself a safety risk, but only when combined with aggressive driving.
The combination of risky criteria is rated negatively in the overall rating.
Examples:
The distance you travel also plays a part in the overall rating. Shorter distances tend to have a positive impact on the rating.
A daily rating is calculated every day from one or more ratings per trip. But you do not score any points just for one trip or one day.
A weekly rating is calculated from the daily ratings.
The number of points received is determined from the weekly rating achieved as follows. The maximum number of points that can be scored in the individual categories (assuming a weekly rating of 100%) is:
In the best case (100% rating and „infrequent driver”), you can achieve 56 points per week.
Use of the AutoMate Insurance app is subject to the following technical requirements:
If we find that you have not activated the AutoMate Insurance app properly or have manipulated it to prevent trips being logged, you will forfeit your entitlement to a premium reduction and TSM/AutoMate reserves the right to terminate the contract before the normal expiry date.
Given the current state of technology, restrictions and inaccuracies in the availability and use of the app are possible; these are beyond our control. We will make all reasonable efforts to remedy interruptions promptly or endeavour to do so. In particular, services provided by third parties such as the following are beyond our control:
The app is free to download and use. Mobile phone and internet costs to download and use the app and any software updates depend on the terms and costs of your mobile phone or service provider.
These notices are to inform you about how personal data under the insurance contract entered into between you, AutoMate Insurance AG as the processor and TSM Insurance as the insurance provider (hereinafter referred to as “TSM/AutoMate”) is processed by TSM/AutoMate using the insurance app and the rights you have under data protection law; please grant the consent required for processing. This information is in addition to the data protection information on the motor vehicle insurance contract relating to matters specific to the AutoMate Insurance app.
Processor:
AutoMate Insurance AG
Birmensdorferstrasse 55
CH-8004 Zürich
Phone: +41 800 33 55 11
E-Mail: welcome@automate.ch
Insurance provider:
TSM Compagnie d’ Assurances, La Chaux-de-Fonds
We process your personal data in compliance with the Data Protection Act (DPA) and the relevant provisions of the Insurance Policies Act (IPA) and all other applicable legislation.
Compared to the associated motor vehicle insurance contract, the additional purposes of processing personal data by the AutoMate Insurance app as described below are to meet the service obligations of TSM/AutoMate under the motor vehicle insurance contract with TSM/AutoMate to:
It is not possible to install the AutoMate Insurance app or perform the service contract with the „Pay as You Drive“ option using the AutoMate Insurance app without processing your personal data.
The legal basis for processing your personal data for contractual purposes is articles 4.ff. DPA.
You may terminate the processing of further data via the AutoMate Insurance app by uninstalling it. Processing of further data for the above purposes in addition to the motor insurance policy will then no longer take place.
Once the AutoMate Insurance app has been activated on your smartphone, it sends data on your driving. The AutoMate Insurance app is operated by Swiss Reinsurance Company Ltd, Mythenquai 60, 8002 Zurich, Switzerland (Swiss Re) and its subsidiary Movingdots GmbH, Lloydstraße 4-6, 28217 Bremen, and the data gathered by the app is processed by these companies. Swiss Re measures values for your driving, which are compared with benchmarks and rated. This rating (score) is the basis for calculating the bonus on your motor vehicle insurance contract.
Key points to note: TSM/AutoMate is supported by a technical service provider (“Swiss Re”). Swiss Re is obliged to comply with current data protection legislation. The services of the Microsoft Azure cloud are also used to provide technical infrastructure via Swiss Re. The cloud servers are located in the Netherlands and Ireland and come under the scope of EU data protection legislation.
The service provider receives the driving data from the AutoMate Insurance app (see Fig. 3) and has undertaken to process it in accordance with the legal and contractual provisions.
TSM/AutoMate in turn receives from Swiss Re only the following data on your client ID:
TSM/AutoMate does not receive any other data or information on your driving and trips you have entered in the AutoMate Insurance app yourself and are able to view. This does not apply to individual enquiries from TSM/AutoMate to review reported claims. TSM/AutoMate is therefore not able to produce a profile of your movements or those of your vehicle.
We also process your data to protect our legitimate interests and those of third parties. Specifically, this may be necessary in the following cases:
Swiss Re processes your data from the AutoMate Insurance app on the basis of its legitimate interests in order to calculate scores for driving (profiling) (see Fig. 3).
Swiss Re also processes your personal data to meet legal obligations such as supervisory requirements, archiving duties under commercial or tax law or our duty to provide advice. The respective legal regulations serve as the legal basis for processing in each case.
If we wish to process your personal data for a purpose other than those listed above; we will inform you beforehand under the legal provisions.
The following types of personal data are processed when using the AutoMate Insurance app;
Policy data (policy details such as insurance cover and data on the owner and driver of the vehicle and the vehicle(s) insured) are sent to Swiss Re by TSM/AutoMate to create a client and vehicle profile.
In addition to the policy data specified in 4.1, TSM/AutoMate also shares claims data on, for example, the place, time, type and size of claims with Swiss Re to refine and improve the scoring methodology.
Once the AutoMate Insurance app has been installed on your smartphone and successfully activated and is operating, it logs the following driving data at regular intervals:
Once installed on your smartphone, successfully activated and operating, the AutoMate Insurance app logs technical data about the smartphone (make, model, IMEI, system version, battery and charge status).
To access and process the data described in 4.3, the application requires permanent access to location, movement and fitness data from smartphones in the foreground and background. The application collects the following information via your smartphone:
Without location (background) permission, AutoMate Insurance app does not record your trips.
The data logged by the AutoMate Insurance app while in operation is transmitted to Swiss Re at regular intervals in encrypted form over the mobile network or by WLAN and processed under your client ID.
Driving data is enhanced by Swiss Re using an interface to the map service “here”, adding further data such as type of road and the speed limit/guideline on the relevant section of road. This is done only for individual GPS position and time data, without using any other data that would make it possible to identify the person concerned.
The enhanced data is processed by Swiss Re using rules set by TSM/AutoMate. The rules rate each individual trip by the client in four dimensions:
For each individual trip, a rating (score) is calculated in each of the four dimensions. These ratings are combined to give an overall rating each week. What type of driving is essentially rated as good is set out in the Terms and Conditions of Use for the AutoMate Insurance App accompanying your motor insurance contract.
Personal data of app users is essentially only given to third parties where this is necessary to provide the app and/or perform the contract, legal authorisation is held or you expressly give consent. Data may also be passed to third parties if TSM/AutoMate is obliged to do so under legal provisions or an enforceable official or court order.
The intention is to refine and improve the rules set by TSM/AutoMate to calculate the bonus and the functionalities of the AutoMate Insurance app in future. So this can be done, the driving data is pseudonymised by Swiss Re and subjected to further statistical processing.
We delete your personal data once it is no longer needed for the purposes listed above. It may happen that personal data is stored for the period during which claims may be made against our company (the statutory limitation period of between three and thirty years). We also store your personal data where we are legally obliged to do so. Such duties of documentation and retention may arise under the Commercial Code, the Tax Code and the Anti-Money Laundering Act, amongst others. These specify storage periods of up to 10 years.
The data gathered under section 4 hereof is anonymised after one year.
You can request information about data stored about you from the following email address:
Email: welcome@automate.ch
You can contact our data protection officer at AutoMate Insurance AG, Birmensdorferstrasse 55, 8004 Zürich.
You can also ask for your data to be corrected or, subject to certain conditions, deleted. You may also be entitled to restrict the processing of your data and to have data you have provided made available in a standard, structured, machine-readable format.
To use the AutoMate Insurance solution you must register via the app. The app is available from app stores operated by third parties. To download, you normally have to be registered with the app store in question and install the app store software. TSM/AutoMate has no influence over the collection, processing and use of data in connection with the relevant app store; responsibility for these lies solely with the operator of the app store in question. If you need more information, please contact the app store operator.
To register as an app user, please use the email address you provided to AutoMate Insurance and the personal password you received by email. Please change the password when you log in for the first time.
The AutoMate Insurance app uses a token as a technical identifier so the app remains logged on by default unless you choose to log off.