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automerit® – Terms of Use (Usage Based Insurance Endorsement)1

Please note that by installing the Telematics Device (the “Device”) on the enrolled vehicles, you are deemed to accept the following Terms of Use (the “Terms”) and agree to be bound by them. You further acknowledge and undertake that you have or will notify any other drivers who operate the enrolled vehicles about the automerit® Program (“automerit”) and obtain their consent to the following Terms.

We may modify the Terms at any time by providing notice and obtaining your consent for such modifications where legally required to do so. Where such consent is not required, modifications are effective immediately and you agree to be bound by such modifications through your continued use of automerit. We recommend you revisit these Terms periodically at www.belairdirect.com/automerit. Please take a moment and familiarize yourself with the Terms. If you do not accept the full Terms, you will not be eligible to participate in automerit, and must contact us at 1 (877) 727-8477 to cancel your participation and return the Telematics Device to us (if already received).

What is automerit?

automerit is a belairdirect program that uses a Device that is installed in an enrolled vehicle and is used for the collection and processing of vehicle usage data for insurance purposes. The Device is supplied by OCTO Telematics North America LLC and its parent OCTO Telematics SpA and shipped and received by their shipping service providers (collectively “OCTO”). The Device comes with a GPS component which collects location information of the driving trips and events and has an accelerometer to capture vehicle movements, in addition to a cellular connection chip that periodically transfers data to OCTO. The Device and its various components will enable belairdirect to gather, for a period of one hundred and eighty (180) days (“Assessment Period”) subject to the other provisions of these Terms, information that will assist us in analyzing the driving behaviour in order to determine your eligibility for discounts.

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Am I Eligible?

To be eligible for automerit, the following conditions must be met:

  • the vehicle must be compatible with the Device;
  • the vehicle must be 1) a private passenger vehicle; or 2) an individually-rated light commercial vehicle (1 to 4 vehicles on the policy) personal or commercial classes 33 to 45;
  • the vehicle may not be in storage at the time of enrollment and it must not be in storage or unused for more than thirty (30) consecutive days during the Assessment Period;
  • you need to have internet access and a valid email address;
  • the policyholder or the driver designated by the policyholder, enrolled in automerit, must be the principal driver of at least one vehicle included in the policy which meets the annual premium requirement established by automerit; and
  • you must meet our underwriting rules;

Please note that automerit may not be available in certain regions where cellular coverage of the network used by the device to transmit the data regarding your driving behaviour is insufficient.

You can contact us at 1 (877) 727-8477 to confirm your eligibility.

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How do I Enroll?

Enrolling in automerit® is easy, completely voluntary, and at no additional cost to you. Simply call us at 1 (877) 727-8477 or go to our website at www.belairdirect.com/automerit. If eligible you will receive from OCTO an enrollment confirmation email (please note that if there are multiple drivers on the same policy registered to automerit® all emails related to the program will be sent to a single email address), a Device with a copy of these Terms, and its corresponding installation instructions, which involve plugging the unit into the vehicle’s On Board Diagnostic Port (“OBD port”). Once the Device is active, it will begin recording data regarding the driving trips and events, which will be sent to OCTO and then to us. The enrollment process is completed once the Device has been properly installed and activated.

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Will I receive a discount for using the Device?

Yes, upon enrollment in automerit® you will start receiving a one-time enrollment discount that will be applicable until the end of your current policy term, or, if your initial policy term does not allow for a full Assessment Period before the issuance of your renewal notification, it will then be applicable until the end of your next policy term. If eligible, your enrollment discount may be replaced, after completion of your Assessment Period, by a personalized discount (“Merit Discount”) that takes into account: (1) the time of day that the vehicle is driven; (2) hard braking events; and (3) acceleration events, based on the kilometres driven (“Merit Discount Data”).

Merit Discounts are not static and are subject to change upon renewal of your policy.

Should you decide to opt out of automerit prior to the completion of the Assessment Period, or terminate your participation, you will no longer be eligible to receive either an enrollment or Merit Discount. Your premium will be adjusted accordingly, effective as of the date of termination of your participation.

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How will my discount be applied?

The discount will be applied to the car insurance premium (Q.P.F. No 1 and endorsements) of the vehicles on the policy for which a person enrolled in automerit is identified as the principal driver, before tax

The enrollment discount will apply upon enrollment in automerit and, once the Assessment Period is completed, may be replaced, if applicable, by the Merit Discount for the remainder of your insurance policy term.

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What happens if the Device is disconnected, not installed or if the vehicle is unused?

The Device must remain connected at all times except in the event of extenuating circumstances (e.g., mechanical breakdown of the Device, access to the OBD port is required for maintenance or vehicle servicing, etc.) or unless directed by us. If we are unable to obtain an accurate assessment of driving behaviour due to a series of disconnections on your part or as a result of any misuse of the Device, notification will be sent to you advising you of such, and providing you with thirty (30) days to cure any breach of the Terms.

We reserve the right at our sole discretion to extend any Assessment Period should we not be able to capture an accurate assessment of the driving behaviour, especially as a result of any disconnection or misuse of the Device, if the vehicle is unused for more than thirty (30) consecutive days or if the vehicle is used in certain regions where cellular coverage is insufficient. If we are still unable to obtain an accurate assessment due to inappropriate use of the Device upon expiry of the notice period, or should you fail to install the Device within thirty (30) days of shipping of the Device, you could be removed from automerit and any discount received would cease to apply.

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How do I return the Device?

Upon termination of the Assessment Period, or if the Device is not functioning properly, or pursuant to our request, you must return the Device to OCTO in a pre-paid, pre-addressed envelope that will be provided to you. If the Device is lost or if you fail to return the Device as instructed or if it is damaged, you may be charged fifty dollars ($50) per Device.

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Can I be asked to reinstall the Device?

If the Device is no longer in the vehicle and we feel that the existing Merit Discount or Collected Data (defined below) has become dated or unreliable and is no longer an accurate reflection of the driving behaviour, if we modify the variables taken into account for the assessment of the Merit Discount, or if the risk characteristics have changed in such a way that may indicate a change in vehicle usage such as, but not limited to:

  • change of insured address;
  • addition of newly listed driver; or
  • addition of newly licensed driver to the household;

then, at our sole discretion, we may require reinstallation of the Device to restart the collection of Merit Discount Data for a new Assessment Period to determine your eligibility for a new Merit Discount. If you are receiving a Merit Discount at the time of reinstallation, that discount will continue to apply until the discount calculation procedures outlined in the section entitled “Will I receive a discount for using the Device?” are completed, and if eligible, you will receive a new Merit Discount based on the corresponding new Merit Discount Data.

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Can I transfer the Device to another vehicle?

The Device must remain connected to each vehicle that has been enrolled and registered through automerit. Should you wish to transfer the Device to another vehicle as a result of a sale, mechanical breakdown or collision of an enrolled vehicle, you must first contact us at 1 (877) 727-84777 and arrange for the Device to be transferred prior to disconnecting the Device from the enrolled vehicle and reconnecting it to a replacement vehicle. Failure to contact us prior to the removal of the Device may lead to an extension of any Assessment Period and/or removal from automerit.

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Can I enroll multiple vehicles?

Yes, you may enroll multiple vehicles within automerit® subject to meeting eligibility requirements. Depending on the number of enrolled vehicles and/or principal drivers under the policy and the Merit Discount Data available, you may be eligible to receive additional enrollment discounts and Merit Discounts. Simply call us at 1 (877) 727-8477 or go to our website at www.belairdirect.com/automerit for full details on multiple vehicle enrollment.

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Will I be able to track my driving behaviour?

As the policyholder, or the person designated by the policyholder, you will have access to a personalized web dashboard that will allow you to track actions or events of the vehicle through a web based secure application (“Dashboard”). You can access the Dashboard at https://automerit.belairdirect.com.

These events include the distance travelled, acceleration, hard braking, time of day of driving, and the Merit Discount that you may be eligible for.

Please note that you may not be able to track driving events when you are driving in certain regions where cellular coverage of the network used by the device to transmit the data regarding your driving behaviour is insufficient.

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Who Owns the Device?

OCTO owns all rights, title, and interests in the Device and as a result you may not copy, modify, or transfer, translate, reverse engineer, decompile, disassemble, or create derivative works based on the Device provided to you.

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PRIVACY

What about Privacy?

We are committed to protecting your privacy, and do our utmost to ensure that the Personal Information (as defined below) of our customers is safeguarded properly.

We will only use and disclose your Personal Information in accordance with automerit, unless otherwise required by law (i.e. subpoena, police investigation, etc.), and will not disclose the Collected Data (as defined below) to third parties, except to our authorized agents/employees and OCTO as required for the purpose of providing you with continuous service.

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What Personal Information is collected or shared?

Personal Information means your name, mailing address, email address, Vehicle Identification Number (“VIN”), policy number, and Collected Data.

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What is included in the Collected Data?

Collected Data includes data that is collected by or data that is derived from information gathered by the Device, including information on the vehicle’s usage, and represents driving data based on the collective usage of the enrolled vehicle.

Collected Data namely includes: vehicle location (GPS), odometer reading, average speed, average acceleration, distance travelled, elapsed time of travel, road type, ignition on/off events, accelerometer data (acceleration, deceleration, cornering events), connection and disconnection status, start and end date of travel, start and end time of travel, VIN, and mileage.

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Who sees my Personal Information?

Your name, mailing address, email address, VIN, and policy number are shared with OCTO who uses this information to ship the Device to you, verify that the Device is installed in the correct vehicle, and send you email updates and reminders. The Device transmits the data gathered from the vehicle via the cellular connections chip to OCTO, who then sends the data to us.

As the policyholder, or the person designated by the policyholder, you will have access to a personalized online Dashboard that will show you aspects of the Collected Data to give you feedback from the Device on how the enrolled vehicle was driven, and show you the enrolled vehicle’s Merit Discount (if any) for which you may be eligible. Trip information is updated regularly, and the Merit Discount information is updated weekly. You can access the Dashboard at https://automerit.belairdirect.com. The same information that is available on your Dashboard is also viewable by our authorized agents/employees to enable them to assist you with any questions that you might have.

Our authorized agents/employees will have access to your Personal Information only to the extent that the information is required to enable them and us to fulfill our respective duties in accordance with these Terms.

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Who else must give their consent?

By accepting these Terms, it is your responsibility to inform any other drivers who operate the enrolled vehicles about automerit and the Device, and you undertake to obtain their consent to these Terms.

The Device gathers driving data based on the collective usage of an enrolled vehicle, and does not identify individual drivers, or isolate or categorize the driving data based on individual drivers.

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How is the Collected Data used?

The Merit Discount Data will be used by us to determine your eligibility and level of discount for the Merit Discount (if any) for which you may be eligible.

We may also analyze the Collected Data to ensure that the information in your insurance file is consistent with the information you provided to us (e.g., the number of kilometres driven, etc.) and you may be contacted to see if you wish to discuss your policy further

The Collected Data will not be used to:

  • cancel your policy during your current policy term; or
  • refuse to renew your policy.

However, please note that there are variables other than the Collected Data that may impact your policy pursuant to our underwriting rules, including but not limited to accidents and traffic violations.

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Where is my Personal Information stored?

In order to provide you with automerit, we share your Personal Information with OCTO for data collection and shipment processing. We are committed to protecting your privacy and take our obligation to ensure the confidentiality and security of your information seriously. We require OCTO to protect your Personal Information in a manner that is consistent with our own privacy policies and security practices. Your personal Information may be stored by us and OCTO in Canada, the United States, and Italy. In the event that your Personal Information is transferred to a foreign jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and national security authorities in accordance with those laws.

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Who do I contact if I have questions about my privacy?

If you have any questions about your privacy or would like more information, please contact our Privacy Office at:

belairdirect Privacy Office
700 University Avenue, Suite 1500-A
Phone (toll free): (866) 941-5094
Toronto, Ontario M5G 0A1
Fax: (416) 941-5284
e-mail: privacy@belairdirect.com

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Any other questions?

If you have any questions about the automerit® program, please call us at 1 (877) 727-8477, email us at belairdirect@belairdirect.com, or visit us at www.belairdirect.com/automerit.

EXCEPT AS PROVIDED HEREIN ALL TERMS, LIMITS, CONDITIONS, EXCLUSIONS, DEFINITIONS AND PROVISIONS OF YOUR POLICY SHALL CONTINUE TO APPLY AND HAVE FULL FORCE AND EFFECT.

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Please note that by installing the Telematics "Device" on your vehicle, you are deemed to accept the following Terms of Use (the "Terms") and agree to be bound by them. You further acknowledge and undertake that you have or will notify any other drivers who operate the enrolled automerit® vehicle about the automerit® Program ("automerit") and obtain their consent to the following Terms.

Please take a moment and familiarize yourself with the Terms. If you do not accept the full Terms, you will not be eligible to participate in automerit, and must contact us at 1 (855) 250-6517 to cancel your participation and return the Device to us (if already received).

What is automerit?

automerit is a belairdirect program that uses a Device that is installed in your vehicle and is used for the collection and processing of vehicle usage data for insurance purposes. The Device is supplied by OCTO Telematics North America LLC and its parent OCTO Telematics SpA and shipped and received by their shipping service providers (collectively "OCTO"). The Device comes with a GPS component which collects location information of your driving trips and events, and has an accelerometer to capture vehicle movements in addition to a cellular connection chip that periodically transfers data to OCTO. Your Personal Information may be stored by us and OCTO in Canada, the United States, and Italy. In the event that your Personal Information is transferred to a foreign jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and national security authorities in accordance with those laws. The Device will remain in your vehicle and its various components will enable us to gather information that will assist us in analyzing your driving behaviour in order to determine your eligibility for discounts.

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Am I Eligible?

To be eligible for automerit, the following conditions must be met:

  • the vehicle must be compatible with the Device;
  • the vehicle may not be in storage;
  • you need to have internet access and a valid email address; and
  • you must meet our underwriting rules.

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How do I Enroll?

Enrolling in automerit is easy, completely voluntary, and at no additional cost to you. Simply call us at 1 (855) 250-6517 or go to our website at www.belairdirect.com/automerit. If eligible you will receive from OCTO an enrollment confirmation email, a Device with a copy of these Terms, and its corresponding installation instructions, which involve plugging the unit into your vehicle's On Board Diagnostic Port (OBD). The Device is activated automatically upon being properly installed into a vehicle, and once activated, data regarding your driving trips and events will be sent to OCTO and then to us. The enrollment process is completed once the Device has been properly installed.

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Will I receive a discount for using the Device?

Yes, upon enrollment in automerit you will start receiving a one-time enrollment discount. Your enrollment discount will be applicable until the end of your current policy term, or if eligible, until it is replaced by a discount that is determined by your driving behaviour and vehicle usage ("Merit Discount"). However, if your initial policy term does not allow for a minimum of a 180 day assessment period from the date of enrollment up to the issuance of your renewal notification, then the enrollment discount will continue to apply for the remainder of your current policy term and for the duration of the subsequent policy term (the "Initial enrollment Period"). Once the assessment period is complete, the enrollment discount is removed, and if eligible, replaced by the Merit Discount taking into account: (1) the time of day that you drive; (2) hard braking events; and (3) acceleration events based on the kilometers driven ("Merit Discount Data").

Merit Discounts are not static and are subject to change upon each successive renewal of your policy. All successive Merit Discounts will be calculated based on the previous twelve (12) months of Merit Discount Data collected from the Device. If you are required to reinstall a Device as outlined in the section entitled "Can I be asked to reinstall my Device?" we will restart the collection of Merit Discount Data for an Initial enrollment Period to determine your eligibility for a new Merit Discount.

Should you decide to opt out of automerit prior to the completion of an assessment period, or terminate your participation, you will no longer be eligible to receive either an enrollment or Merit Discount. Your premium will be adjusted accordingly, effective as of the date of termination of your participation.

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How will my discount be applied?

The discount will be applied to the following auto insurance coverages only (where applicable):

  • Liability – Bodily Injury;
  • Property Damage;
  • Direct Compensation - Property Damage;
  • Accident Benefits (Standard Benefits);
  • Uninsured Automobile;
  • Collision or Upset;
  • Comprehensive;
  • All Perils;
  • Specified Perils;
  • Family Protection Coverage Endorsement (OPCF 44R).

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What happens if the Device is disconnected or not installed?

The Device must remain connected at all times except in the event of extenuating circumstances (e.g., mechanical breakdown of the device, access to the OBD port is required for maintenance or vehicle servicing, etc.) or unless directed by us. If we are unable to obtain an accurate assessment of driving behaviour due to a series of disconnections on your part or as a result of any misuse of the Device, notification will be sent to you advising you of such, and providing you with thirty (30) days to cure any breach of the Terms.

We reserve the right at our sole discretion to extend any assessment period should we not be able to capture an accurate assessment of your driving behaviour as a result of any disconnection or misuse of the Device. If we are still unable to obtain an accurate assessment due to inappropriate use of the Device upon expiry of the notice period, or should you fail to install the Device within thirty (30) days of receiving the Device, you will be removed from automerit and any discount received will cease to apply.

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How do I return the Device?

Upon termination of your participation in automerit, or if the Device is not functioning properly, or if we feel, at our sole discretion, that the Merit Discount or Collected Data is reliable, is an accurate reflection of driving behaviour, and your continued use of the Device is not required for us to be able to continue to provide you with the Merit discount, we may request that you return the Device to OCTO in a pre-paid, pre-addressed envelope that will be provided to you. If the Device is lost or if you fail to return the Device as instructed, you may be charged fifty dollars ($50) per Device.

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Can I be asked to reinstall my Device?

If the Device is no longer in the vehicle and we feel that the existing Merit Discount or Collected Data (defined below) has become dated or unreliable and is no longer an accurate reflection of your driving behaviour, or if the risk characteristics have changed in such a way that may indicate a change in vehicle usage such as, but not limited to:

  • change of insured address;
  • change in principal driver;
  • addition of newly listed driver; or
  • addition of newly licensed driver to the household,

then, at our sole discretion, we may require reinstallation of the Device. If you are receiving a Merit Discount at the time of reinstallation, that discount will continue to apply until the discount calculation procedures outlined in the section entitled "Will I receive a discount for using the Device?" are completed, and if eligible, you will receive a new Merit Discount based on the corresponding Merit Discount Data.

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Can I transfer the Device to another vehicle?

The Device must remain connected to each vehicle that has been enrolled and registered through automerit. Should you wish to transfer the Device to another vehicle as a result of a sale, mechanical breakdown or collision of an enrolled vehicle, you must first contact us at 1 (855) 250-6517 and arrange for the Device to be transferred prior to disconnecting the Device from the enrolled vehicle and reconnecting it to a replacement vehicle. Failure to contact us prior to the removal of the Device may lead to an extension of any assessment period and/or removal from automerit.

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Can I enroll multiple vehicles?

Yes, you may enroll multiple vehicles within automerit subject to meeting eligibility requirements. Depending on the number of enrolled vehicles and/or principal drivers under the policy and the Merit Discount Data available, you may be eligible to receive additional enrollment and Merit Discounts. Simply call us at 1 (855) 250-6517 or go to our website at www.belairdirect.com/automerit for full details on multiple vehicle enrollment.

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Will I be able to track my driving behaviour?

As the policyholder, you will have access to a personalized web dashboard that will allow you to track actions or events of your vehicle through a web based secure application. You can access the Dashboard at https://automerit.belairdirect.com.

These events include the distance travelled, acceleration, hard braking, time of day of driving, and the Merit Discount that you may be eligible for. In addition, your insurance agent may also have access to your personalized web based dashboard in order to assist you with automerit.

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Who Owns the Device?

OCTO owns all rights, title, and interests in the Device and as a result you may not copy, modify, transfer, translate, reverse engineer, decompile, disassemble, or create derivative works based on the Device provided to you.

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PRIVACY

What about Privacy?

We are committed to protecting your privacy, and do our utmost to ensure that the Personal Information (as defined below) of our customers is safeguarded properly.

The Device enables us to determine your eligibility for automerit discounts.

We will only use and disclose your Personal Information in accordance with automerit, unless otherwise required by law (i.e., subpoena, police investigation, etc.), and will not disclose the Collected Data (as defined below) to third parties, except to our authorized agents/employees and OCTO as required for the purpose of providing you with continuous service.

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What Personal Information is collected or shared?

Personal Information means your name, mailing address, email address, Vehicle Identification Number ("VIN"), policy number, and Collected Data.

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What is included in the Collected Data?

Collected Data is data that is collected by or data that is derived from information gathered by the Device, including information on the vehicle's usage, and represents driving data based on the collective usage of the enrolled vehicle.

Collected Data means: vehicle location (GPS), odometer reading, average speed, average acceleration, distance travelled, elapsed time of travel, road type, ignition on/off events, accelerometer data (acceleration, deceleration, cornering events), connection and disconnection status, start and end date of travel, start and end time of travel, VIN, and mileage.

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Who sees my Personal Information?

Your name, mailing address, email address, VIN, and policy number are shared with OCTO who uses this information to ship the Device to you, verify that the Device is installed in the correct vehicle, and send you email updates and reminders. The Device transmits the data gathered from your vehicle via the cellular connections chip to OCTO, who then sends the data to us.

As the policyholder, you will have access to a personalized online Dashboard that will show you aspects of the Collected Data to give you feedback from the Device on how an enrolled vehicle was driven, and show you the enrolled vehicle's Merit Discount (if any). Trip information is updated at the end of each vehicle trip, and the Merit Discount information is updated weekly. You can access the Dashboard at https://automerit.belairdirect.com. The same information that is available on your Dashboard is also viewable by our authorized agents/employees to enable them to assist you with any questions that you might have.

Our authorized agents/employees will have access to your Personal Information only to the extent that the information is required to enable them and us to fulfill our respective duties in accordance with these Terms.

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Who else should give their consent?

By accepting these Terms, it is your responsibility to inform any other drivers who operate the enrolled vehicle about automerit and the Device, and undertake to obtain their consent to these Terms.

The Device gathers driving data based on the collective usage of the enrolled vehicle, and does not identify individual drivers, or isolate or categorize the driving data based on individual drivers.

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How is the Collected Data used?

The Merit Discount Data will be used by us to determine your eligibility and level of discount for the Merit Discount (if any) for which you may be eligible on your next policy term.

We may analyze the Collected Data to update the information currently on file with us, and you may be contacted to see if you wish to discuss your policy further.

The Collected Data will not be used to:

  • cancel your policy;
  • refuse to renew your policy;
  • increase your premium;
  • confirm rating criteria (e.g., where vehicle is principally garaged, distance driven, pleasure/commute/business use); or
  • process or deny claims.

However, please note that there are variables other than the Collected Data that may impact your policy pursuant to our underwriting rules, including but not limited to accidents and traffic violations.

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Where is my Personal Information stored?

In order to provide you with automerit, we share your Personal Information with OCTO for data collection and shipment processing. We are committed to protecting your privacy and take our obligation to ensure the confidentiality and security of your information seriously. We require OCTO to protect your Personal Information in a manner that is consistent with our own privacy policies and security practices, which comply with Canadian privacy laws. Your Personal Information may be stored by us and OCTO in Canada, the United States, and Italy. In the event that your Personal Information is transferred to a foreign jurisdiction, it will be subject to the laws of that jurisdiction and may be disclosed to or accessed by the courts, law enforcement and national security authorities in accordance with those laws.

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Who do I contact if I have questions about my privacy?

If you have any questions about your privacy or would like more information, please contact our Privacy Office at:

belairdirect Privacy Office
700 University Avenue, Suite 1500-A
Phone (toll free): (866) 941-5094
Toronto, Ontario M5G 0A1
Fax: (416) 941-5284
e-mail: privacy@belairdirect.com

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Any other questions?

If you have any questions about automerit, please call us at 1 (855) 250-6517, email us at service@belairdirect.com, or visit us at www.belairdirect.com/automerit.

EXCEPT AS PROVIDED BELOW1, ALL TERMS, LIMITS, CONDITIONS, EXCLUSIONS, DEFINITIONS AND PROVISIONS OF YOUR POLICY SHALL CONTINUE TO APPLY AND HAVE FULL FORCE AND EFFECT.

By continuing to browse this site, you agree to our Terms of Use and with our Privacy Promise. OK