METROMILE Insurance Services LLC
Terms and Conditions for Pulse Device
Effective August 16, 2017
Your participation in the per-mile insurance program is expressly conditioned on your acceptance of these terms and conditions. If you do not agree with any part of these terms and conditions, you should not participate in the program. Metromile reserves the right to modify the terms and conditions at any time. Modifications to these terms and conditions can be viewed by logging in to your policy through www.metromile.com. By plugging in your Pulse device and continuing your participation in the program, you constitute your acceptance of these, and any revisions to these, terms and conditions.
The Pulse Device
The Pulse device plugs into your vehicle’s OBDII port. The device is GPS enabled and records miles driven to accurately price your policy, along with location and other information, such as diagnostics and telematics, that does not affect your insurance premium with us. The device also records when it is connected and disconnected from the vehicle. The device transmits data wirelessly to and from Metromile through our wireless partners. The device data is used to rate and underwrite the insurance offerings, and to develop, maintain, model, analyze and enhance our products and services. You can elect to turn on or off the storage of location-based data transmitted by the Pulse device from your vehicle. If you choose to turn location-based data off, the Company will stop storing location-based data on our servers within a reasonable time following your selection, and you will not be able to use features of our service that require your location-based data for any period during which you had location-based data storage disabled.
Any vehicle compatible with the device (1996 or newer) used to gather vehicle information is eligible for this program assuming all other program underwriting guidelines are met. The insured must also provide a valid email address, and install a device in all vehicles registered for the program.
The device is used to record miles driven so your policy can be accurately rated.
You pay your first month’s Base Rate(s) at time of enrollment. Your actual miles driven, plus the following month’s Base Rate(s), are paid at the end of each monthly cycle and are automatically withdrawn from the account you have on file with us.
The device is required to be plugged in to all vehicles within 10 days of policy/vehicle start date (7 days in CA) and remain plugged in at all times while insured under the program. Please be advised that up to 250 miles per day may be assessed for each day the device is unplugged after the initial grace period for installation.
The device may be transferred to a vehicle replacing an existing vehicle on the policy by informing Metromile of the change. If you remove a vehicle from your policy, you must return the device to Metromile.
The device is the property of Metromile. In the event of policy termination either by us or you, we will charge a fee of $100 for each device not returned to us in good, working condition within 30 days of the termination date of the policy, or removal of the vehicle. Normal wear and tear and damage to device caused by an accident will not result in a charge.
Acknowledgment/Vehicle Owner Consent
By participating in the Metromile program, you represent that you have the consent of the registered owner of each vehicle in which a device will be installed to (a) install the device, (b) provide information collected by the device to us, and (c) permit us to retain and use the information as described above. The device uses a certain amount of current from the battery even when the vehicle is not turned on. Care should be taken in using the device in vehicles that have older or weak batteries, or that may go extended periods without being started. To meet our legal obligations for data retention, we retain information collected or derived from the device for the time required by law.
Use of Vehicle Data in Claims
Vehicle data may be useful in determining the cause of an automobile accident. If the vehicle is involved in an accident, you may have a legal obligation to preserve the information on the device so do not destroy or discard the device. Metromile may be legally obligated to provide information in response to a subpoena or as otherwise required by law.
In the event of an insurance claim, Metromile will not use the data to resolve the claim without first obtaining your permission or (if not you) the registered vehicle owner’s permission.