What's on this page:
- Personal Information We Collect & How it is Used
- Who Personal Information is Shared With
- Profiling and Automated Decision Making
- Data Rights
- Contact Us
When we mention “Quotemehappy.com”,“Quotemehappy”,“QMH”, "Aviva", "we", "us" or "our", what we mean is the relevant company in the Aviva group that processes your Personal Information. Aviva Insurance Limited, the company that underwrites your Quotemehappy Connect car insurance policy, is the main company responsible for your Personal Information (known as the controller). Aviva UK Digital Limited acts as an additional data controller for the sale and distribution of this insurance product. If you have any questions about this, please contact us using the details set out in section 6 (Contact Us) below.
2. Personal Information We Collect & How it is Used
a. Sources of Personal Information
We will obtain additional Personal Information from you when you download and use the App. We will also obtain Personal Information from the smartphone that you use to access the App from and connect to the Device with.
You must inform anyone that is insured to drive your car that the Device is attached to your car windscreen and where your smartphone is present, the App will record information about how your car is being driven and where it is being driven, even if you are a passenger.
Any trips in your car where your smartphone is not present will not be recorded.
b. Types of Personal Information Collected and Created
Once you have downloaded the App, you will have to provide your email address and create a password to activate and access your QMH Connect account. For QMH Connect to work, you will also have to:
- Connect your smartphone to the Device via bluetooth. Bluetooth must be enabled at all times to ensure the Device automatically connects to the App when you get in your car.
- Enable two in-app tracking permissions that will collect information about your location and motion so that the App and Device can record trips automatically and accurately. In Apple iOS smartphones, these permissions are called “location services” and “motion & fitness”. In Google Android supported smartphones, these permissions are usually called “location services” and “activity recognition”. Please note that no information relating to your health, fitness or physical activity is tracked or recorded by the App when you enable motion & fitness or activity recognition.
- Google Android supported smartphones only: If you have downloaded the App on a Google Android supported smartphone, you will also have to enable “phone activity” and switch off “battery optimisation”. Enabling phone activity allows us to detect smartphone usage when you are driving (see what we mean by smartphone usage further below). Switching off battery optimisation allows the App to run in the background to detect trips.
IMPORTANT: Please note the following in respect to the above connections and permissions:
- The connections and permissions must be enabled at all times for the App to correctly work. If you disable any of these connections or permissions, alerts in the App will notify you. We may also alert you via SMS, email and, if enabled, push notifications.
- Whilst these permissions must be enabled at all times, the App will only track and record information about your location, motion and smartphone usage when you are signed into the App, connected to the Device and motion is detected.
- If you sign out of the App, your permissions will remain enabled (unless you change these in the settings of the App or your smartphone), but the App will no longer be able to track and record your location, motion or smartphone usage.
- When you sign back into your App, your permissions should remain enabled unless you have changed these in the settings of the App or your smartphone. However, you may need to re-establish your bluetooth connection with the Device.
- If you switch off your smartphone or turn on airplane mode, this will not sign you out of the App or change your permissions. However, the App will no longer be able to track and record your location, motion or smartphone usage.
Once you start driving, the following data will be captured in order for us to understand your driving behaviours and build a profile of where, when and how you are driving your car.
The App, using sensors in your smartphone, will capture and record the following:
- Time and date of trips;
- Distance travelled (mileage data);
- Acceleration & deceleration (accelerometer data);
- Cornering (gyroscope data);
- Lateral movements (gyroscope data);
- Direction of travel (magnetometer data);
- GPS location/coordinates (latitude and longitude) and altitude;
- Smartphone usage (also referred to as distracted driving)*;
- Phone call status and audio pathway**
- Road type (e.g., rural or urban);
- Crash detection; and;
- Trip routes, including location of trip start point and end point.
The Device will identify the following information:
- Car motion (to confirm the start and end time of trips); and
- Crash detection
The information listed above shall collectively be referred to as “Driving Data”.
*Please note the following in respect to smartphone usage (also referred to as distracted driving):
- Smartphone usage means interacting with your smartphone, such as touching the screen, making a call or answering a call.
- Even if you use your smartphone whilst your car is stationary or make/receive a handsfree call, if the App is connected to the Device and motion is detected, this will be recorded as distracted driving and contribute towards your driver score and rating.
- If your smartphone is used by a passenger whilst you are driving, this will be recorded in the App as distracted driving and contribute towards your driver score and rating.
**Please note “phone call status” and “audio pathway” are solely to determine whether you are on a call and if so, whether you are using a handsfree kit to speak or your smartphone’s internal microphone and speaker. No further details about the call (e.g., caller information or conversations) will be captured and recorded.
At the end of each trip, it may take a few minutes for the App and Device to detect and validate there is no longer motion and in turn, confirm the trip has finished. In this period of time, and until validation has occurred, the App may continue recording. This is to cover trips where you are in slow/start-stop traffic but typically have the engine still on. Separate trips may also be recorded if your car is stationary for a period of time longer than a few minutes e.g., stopping to get petrol.
The App will also capture information about your smartphone such as the make and model, battery level, operating system, software version, battery level and device ID to help validate and resolve queries associated with your trips.
We will generate driver scores and ratings from your Driving Data. Your driving will be scored out of 100 and rated gold, green, amber or red based on how safely you have driven.
The App will display an overall driver score and rating for each individual trip you make, and provide a breakdown score and rating for each of the following driving behaviours:
- Speed (compared to the road’s speed limit)
- Smoothness (e.g., fast acceleration, harsh braking, sharp cornering etc.)
- Usage (e.g., frequency and length of trips)
- Distracting driving (smartphone usage)
We will also create and share with you aggregated weekly, monthly and year-to-date driver scores and ratings which are based on the trips taken in those time periods.
For more information about driver scores and ratings, please see the QMH Connect Safe Driving Terms here
You may also be asked for additional information, such as recent locations of trips, to help us with any queries that may arise during the policy period or a claims process.
c. Uses of Personal Information
- Providing you with your insurance policy and associated customer services, such as the delivery of your Device;
- To review the information disclosed by you in relation to your insurance policy and to identify any inconsistencies;
- To help us to handle any claims and reduce fraud by assisting with the identification assessment or the investigation of claims made and to provide clarification as to the circumstances of a claim;
- To monitor and assess your driving behaviour and car usage in order to generate driver scores and ratings. Your driver scores and ratings will then be compiled and contribute towards a) the award of safe driver points; and b) the calculation and charging of renewal premiums;
- To validate and resolve queries associated with your trips;
- To provide you with details of your driver scores and ratings as well as personalised feedback, hints and tips relating to your driving via in-app alerts, SMS, email and, if enabled, push notifications;
- To administer our rewards programme. For information on how the rewards programme works, please see the QMH Connect Safe Driving Terms here;
- To provide you with any additional optional telematic services that are, or may become available, where you agree to these at the time of purchasing your policy and/or during the period of insurance;
- To carry out research and analysis to help us better understand policyholders’ driving behaviours and patterns. This research and analysis will then be used for risk modelling, to develop the future underwriting of this insurance product and to assist with the development of similar products; and
- To improve our products, prices, and customer experience for all.
d. Lawful Bases for uses of Personal Information
- Performance of a Contract; and
- Legitimate Interests.
3. Who Personal Information is Shared With
- Service providers who provide technology, systems, software, and other support services to create, operate and maintain the App and Device and help administer the QMH Connect service; and
- Service providers who help deliver our rewards programme.
4. Profiling and Automated Decision Making
We use profiling and data analysis to build, train and audit our insurance models and algorithms. The models and algorithms we use help us do a number of things, including:
- To use the data derived from your driving behaviour to generate driver scores and ratings. These driver scores and ratings will then be used for providing you with feedback on your driving, predicting the likelihood of future claims, developing our pricing models, and helping calculate your renewal premium;
- Preventing fraudulent activity. For example, we will identify evidence of any actions by you which could be in breach of your insurance policy or the QMH Connect Safe Driving Terms, such as starting a trip in a different location to where the previous trip ended; and
- Ensuring data quality and accuracy by identifying any inconsistencies or omissions when using the App or Device.
We will also make automated decisions based off your driving behaviours and the driver scores and ratings we generate by virtue of using the App and Device. For example, at the point of renewal, your driver scores and ratings for the past 3 months will feed into our overall rating algorithm which will then automatically calculate your renewal premium.
Where we make an automated decision using Personal Information, which has a legal or substantially similar effect, you have certain rights in relation to that decision. In particular, you have the right to receive meaningful information about the logic involved in relation to the decision, the right to human intervention and the right to obtain an explanation of the decision and challenge it. For more information about this right and how to exercise it, please see section 5 (Data Rights).
5. Data Rights
Write to: The Data Protection Team, Aviva, PO Box 7684, Pitheavlis, Perth PH2 1JR
Email us: DATAPRT@aviva.com
If you'd like to submit a subject access request, please fill out this form here or write to us at the above address.
If you’re not happy with the way we’re handling your Personal Information, you have a right to make a complaint with your local data protection supervisory authority at any time. In the UK this is the Information Commissioner's Office (ICO). We ask that you please attempt to resolve any issues with us before contacting the ICO.
Last updated: 24/11/2022
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