MissionSafe^® Terms and Conditions

Last Updated – October 12, 2023

Introduction

Welcome to MissionSafe^®, Westfield’s usage-based automobile insurance program (the “Program”).  The Program allows Westfield to adjust the automobile insurance premium of each driver that is insured on a Westfield automobile insurance policy (each, a “Policy”) and is participating in the Program (each, a “Participating Driver”) based on a Participating Driver’s driving habits. The Program works by using a mobile application (the “App”) downloaded onto a Participating Driver’s Android or iOS smartphone, giving that individual more control over the premium rates paid for his or her automobile insurance premium.

These Program Terms and Conditions (“Terms”) contain important information about Participating Drivers’ rights, benefits, costs and limitations under the Program.  These Terms set out the terms under which we allow a Participating Driver to download the App, how we and others may use the data collected, and how that data affects a Participating Driver’s automobile insurance premium.

Please read these Terms carefully. Your participation in the Program and use of the App are expressly conditioned on your acceptance of these Terms. Participation in the Program is voluntary and is not required to obtain an automobile insurance policy, and you may choose to stop your participation at any time.  If you do not agree with any part of these Terms, you should not participate in the Program.

We may change these Terms without notice at any time by posting the updated Terms in the App, and you shall be deemed to have accepted these revised Terms by your continued participation in the Program. You can always view the most current version of the Terms on the App.  You should regularly check for any changes.  Nothing in these Terms shall affect, change, or obviate any of the Usage Rules set forth in the Apple App Store Terms and Conditions or in the Google Play Terms of Service, whichever applies.

Program Overview

Your participation in the Program allows Westfield to incorporate actual vehicle information and driving behavior into the premium rates you pay for automobile insurance coverage. You have the potential to save money and receive a better premium rate for your automobile insurance through participation in the Program. Participating Driver’s will be able to access his or her vehicle and driving information through a smartphone App to obtain feedback, which may help you and Participating Drivers on your Policy become safer and smarter drivers. The data collected is detailed in the section titled “Data Collected” below. The Program is administered by a company (“Administrator”) on behalf of Westfield through the App. 

Eligibility & Additional Provisions

The following are necessary to participate:

• The Participating Driver must have an issued Policy that includes the state required coverages.
• The Participating Driver must have a smartphone (iPhone or Android), that is compatible with the App and he or she must always maintain an adequate data and coverage plan. Westfield is not responsible for any data charges, including overage charges associated with use of the App.
• At least one person insured through your Policy must download the App within 45 days of enrolling in the Program.
• The App must remain installed and active on each Participating Driver’s smartphone, and each Participating Driver must bring his or her smartphone with him or her when driving.
• You must provide the smartphone number for each driver insured on your Policy that is participating in the Program.
• You must provide a valid email address for each Participating Driver.
• Each Participating Driver must accept these Terms as described in the section titled “Consent/Agreement” below.
• Each Participating Driver must keep the App active, logged in, and with location services enabled at all times when driving the vehicle(s) insured by Westfield.

   

Registration

Once you enroll in the Program and a Policy is issued with the smartphone number and valid email address for each Participating Driver, each Participating Driver will receive the link to register. The instructions to download the App will be sent to the smartphone number of each Participating Driver by text message.  Each Participating Driver on the Policy should download and register the App on their own smartphone using their own phone number that you provided to us for that individual, which serves as the registration key. Once the registration key is recognized by us, the Participating Driver will be sent a random PIN by text message to the smartphone number used to register. You are responsible for any and all telecommunications charges, including, but not limited to, fees associated with text messaging imposed by your wireless carrier.

How it Works

Once downloaded and registered, which includes the acceptance of these Terms and the End User License Agreement, the App will run in the background and immediately begin collecting driving and phone sensor data (“Collected Data”). The Collected Data will be utilized by Westfield to develop a driving score for each Participating Driver (the “Driving Score”). The Driving Score will be available for review through the App. 

The App must always be running because the App will detect and record when a Participating Driver starts and ends a trip.  The App will attempt to identify all trips as “driving” trips (the App determines that the Participating Driver was operating a vehicle) or "non-driving" trips (the App determines that the Participating Driver was not operating a vehicle). The App also attempts to categorize mode of transportation (for example, car vs. bicycle) for each recorded trip. Trip scoring only applies to vehicle types licensed for road use. The ability to change how a trip is categorized will be available for a limited time after the trip is displayed.

If a pattern of reclassifying trips suggests misuse of the App, we can terminate your enrollment in the Program, resulting in a potential increase in your Policy premium due to the elimination of any participation or Driving Score discounts (the “Driving Score Discount”).

Data Collected

The Collected Data includes your physical location, vehicle speed, accelerations, and braking using GPS, time information, phone usage, and data from the phone’s sensors. Information, such as trip duration, trip regularity (taking the same routes on a regular basis), and rates of acceleration and braking, is derived from speed, location, and time information. The Collected Data applies to any vehicle operated by a Participating Driver, and Collected Data is not used if the App determines that the Participating Driver is a vehicle passenger.

The App uses cellular data, and the amount of data used will fluctuate based on how often and how far you drive.  The App also uses a certain amount of power from the smartphone battery. Care should be taken to ensure the smartphone is charged and turned on when driving to record the information for the Program.

Your responsibilities

This App may require periodic updates, and you agree that updating the App from time to time is your responsibility. In order to continue participating in the Program, a Participating Driver may not uninstall the App after it has been installed and must remain logged into the App. The location services (GPS) must always be enabled to provide for accurate data collection while a Participating Driver is operating an insured automobile. A Participating Driver will have the choice, managed from within the App, to send the Collected Data only through Wi-Fi networks or through cellular networks. Westfield is not responsible for any data charges, including coverage charges, associated with use of the App.

We want all Participating Drivers to stay safe. You should avoid distractions of any kind and focus on your driving when driving an automobile. Please do not look at or use the App, or attempt to contact us, while driving an automobile.

Review Period/ Usage Requirements

As noted in the section titled “How it Works” above, once downloaded and registered the App will run in the background and immediately begin collecting driving and phone sensor data, which will be utilized by Westfield to develop a Driving Score for Participating Drivers. The review period (“Review Period”) will begin on the date you install and activate the App. You are required to have the App active during the Review Period.  Within the Review Period, a minimum number of 91 days of data collection is required to derive a Driving Score Discount. A Driving Score Discount will not be available to a Participating Driver until the Review Period is sufficiently completed.

Data must be collected prior to the Scoring Date. The Scoring Date varies by state, but most commonly is 50 days prior to the Policy renewal date. If at least 91 days of data (including at least five trips) is not collected, the Participating Driver will not receive a Driving Score Discount and the App will continue to collect data until the next Scoring Date. 

If a pattern of pauses or disabling of the App suggests that reported driving behavior may not be representative of actual behavior, we can terminate your enrollment in the Program, resulting in a potential increase in your Policy premium due to the elimination of any Participation Discount (as defined below) or Driving Score Discount.  

Premium Impact

Subject to our rate filings and the rating regulations in your state, a discount for participating in the Program (the “Participation Discount”) will be applied to your Policy during the first policy term contingent upon completion of the App download and registration within 45 days of enrollment.  If a Participating Driver is enrolled in the Program mid-term, the Participation Discount will be applied pro-rata for the remainder of the current term. If enrollment is not completed within 45 days, the Participation Discount will be removed on day 46. 

The Participation Discount will be applied until enough data is captured to determine if a Driving Score should be applied at renewal. If there is more than one Participating Driver on the Policy, the Participation Discount is determined by dividing the sum of all Participation Discounts earned by Participating Drivers by the number of rated (assigned) drivers on the Policy.

The Driving Score Discount will be calculated based on driving behaviors of Participating Drivers such as acceleration intensity, hard braking, speed, distance traveled and phone use while driving, and will be applied at the next renewal. If there is more than one Participating Driver on the Policy, the Driving Score Discount is determined by dividing the sum of the Driving Score Discounts earned by Participating Drivers by the number of rated (assigned) drivers on the Policy.

At every Policy renewal, we will reevaluate the most recent driving data to calculate the Policy premium, the Participation Discount, and/or the Driving Score Discount going forward, subject to our rating factors, variables, rate filings and rating regulations in your state.

The Participation Discount and the Driving Score Discount apply to personal automobile coverages such as Bodily Injury, Medical Payments/Personal Injury Protection, Property Damage, Comprehensive, Collision, Uninsured Motorists, Underinsured Motorists and Uninsured Motorists Property Damage. These coverages will vary by state.

Rewards

Westfield intends to offer a rewards program as an incentive for safe driving behavior. When and if available, you would be able to sign up for your rewards program when you download the App, or such other time that we determine. The App assesses driving behavior and regularly distributes points for safe driving. You can then redeem your points for gift cards, fuel vouchers, charitable donations, and more.

This is a value-added service provided as a reward. In turn, your safe driving behavior can result in reduced crash frequency and severity, which can positively impact the overall rate of personal automobile insurance.

You can keep track of your rewards program status in the App. The rewards program may be modified from time-to-time.    

Driving Feedback

Within the App, you will be provided with a link to the projected driver discount page, where you can view feedback on how you have driven. You will be able to view a score for the driving variables identified in the section titled “Premium Impact” above and an overall Driving Score for your driving. All feedback provided is based on your driving as recorded by the App.

Your Driving Score Discount will be displayed as a percentage.

Terminating Participation in the Program

You can terminate your enrollment in the Program at any time, by uninstalling the App, and this will prevent further information from being collected and submitted to us.  Westfield can terminate your enrollment in the Program at any time, for any or no reason, including if the App is used in a manner other than what was intended or in any manner that is fraudulent. Termination of your participation in the Program may generate an increase in your Policy premium due to the elimination of the Participation Discount and/or Driving Score Discount you may have previously enjoyed. If your enrollment is terminated, we will process the premium increase without further notification to you. 

Transferring the App to another Smartphone

The App must be installed, registered, and activated on the smartphone by you when you enroll in the Program. Transferring of the collection of information to a different smartphone is permitted by following the procedure when downloading and activating the App.

Ownership and Future Use of the Data

You agree that Westfield will own all data collected during this Program, including but not limited to the Collected Data. If for any reason Westfield is found not to own the data, you hereby grant to Westfield an irrevocable, non-exclusive, perpetual, worldwide, royalty-free, fully paid-up, assignable right and license to use, sublicense, reproduce, maintain, modify, display, create derivative works of, and otherwise fully utilize and commercialize the data in an aggregated and not personally identifiable form. You further agree to cooperate, if necessary, with Westfield in perfecting Westfield rights to the foregoing data. You acknowledge and agree that Westfield may analyze the foregoing data to determine ways to develop or enhance Westfield insurance programs, services and/or products, including but not limited to the creation of non-insurance products and services.

Who Owns the App/License to Use/Disclaimer of Warranty

As between you and Westfield, the App is the property of Westfield and its licensors and is provided by us for you to receive feedback on your driving performance and the impact it may have on your personal automobile insurance premiums. Westfield and its licensors retain all right, title, and interest in and to the App. You may not and will not allow others to reverse engineer, decompile, alter, duplicate, translate, make copies, or create derivative works from the App or, otherwise attempt to derive the source code of the App, except to the extent allowed under applicable law. If applicable law permits such activities, any information discovered as a result of these activities must be promptly disclosed to us as it is deemed to be the confidential and proprietary information of Westfield and its licensors.

Provided that you comply with all these Terms, we grant you a revocable, limited, and non-transferrable license to use the App on any smartphone that you own or control and as permitted by Usage Rules set forth in the Apple App Store Terms and Conditions or the Google Play Terms of Service, whichever is applicable.

 This App is licensed "as-is", "with all faults" and "as available". You bear the risk of using it. We, on behalf of ourselves, the creator of the App, distributors of the App, network operators over whose network the App is distributed or operated, and each of their respective affiliates and suppliers, give no express or implied warranties, guarantees, or conditions under or in relation to the App. This includes, but is not limited to, implied warranties of merchantability, non-infringement, and fitness for a particular purpose. We do not warrant that the functionality or operation of the App will be uninterrupted or free from error, that any defects in the App will be corrected, or that the App or the server(s) that makes it available are free of viruses or other harmful conditions or components.

Privacy

We are committed to protecting your privacy and earning your trust and understand that you may have concerns about how we use the Collected Data. Westfield has a Privacy Promise to protect your personal information. The Privacy Promise contains a detailed description of your rights and our practices and is available by way of a link on the App and at https://www.westfieldinsurance.com/privacy-promise.

For the purpose of the Program, personal information includes all Collected Data that is identified as personal information in the Privacy Promise. This personal information will only be used as set forth in the Privacy Promise. Westfield may also collect and use technical data and related information. This information includes, among other things, information about your device and software, and data about how you use the App. You agree that Westfield may use this information in a form that does not personally identify you in any manner we may determine.

Communications

We will periodically send you reminders and other information through the App, by email, and/or by phone while you’re participating. Please do not read, check, or respond to messages while driving.

Modification or Termination of the Program

We reserve the right to modify or terminate the Program at any time and for any reason. 

Trademarks

Westfield and its licensors are the owner of all trademarks used in conjunction with the Program, whether in the form of names, images, logos, or icons.

Severability

If any portion of these Terms is found to be unenforceable, the remaining sections of these Terms will remain in effect.

Waiver

Failure by the App provider, in any instance, to exercise any of its rights under These Terms will not constitute waiver of such right or any other rights under these Terms.

Governing Law/Exclusive Venue

Any and all disputes between the parties with respect to the Program shall be governed by, construed under and enforced in accordance with the Laws of the State of Ohio without regard to its choice of law principles. Any action brought between the parties with respect to the Program will be resolved in the federal and state courts located in the State of Ohio and the parties’ consent to the exclusive jurisdiction in these courts.

Consent/Agreement

By downloading, registering (which includes the acceptance of the Terms, the Privacy Promise, and the End User License Agreement) and activating the App, you consent and agree to: (a) your participation in the Program, (b) these Terms as they apply to you, (c) the collection and disclosure to our licensors and service providers of your personal information, including Collected Data, in the manner and for the purposes described in these Terms and the Privacy Promise, and (d) the retainer and use by Westfield and our licensors and service providers of your personal information, including Collected Data, as described in these Terms and the Privacy Promise.

By accepting these Terms, you acknowledge and agree that you are authorized by the registered owner(s) of the applicable vehicles to collect and transmit data captured by the App.

Minor children (persons under the age of eighteen (18) years old) may not use the Licensed Product without the consent of a parent or guardian. The App is intended for use by users who are of the legal age required by your state to hold a driver’s license. 

 MissionSafe^® Drivers Under Age 18

Drivers under the age of 18 are considered minors. Acceptance of the Terms and Conditions associated with the MissionSafe^® Program must be made by a parent or guardian. An acceptance of the Terms and Conditions on the application sent to the smartphone of the minor driver is an acknowledgement of acceptance by the parent or guardian.  

 

Trial Participants 

By accepting these terms and conditions as a voluntary trial participant, you agree to allow Westfield to send periodic emails and/or SMS messages for marketing and program related communications.  Trial participants are not eligible for the Rewards program or policy discounts and participation is not associated with any Westfield policy or coverage. All other terms and conditions apply. 

At any time during the trial, if you wish to no longer participate, simply delete the MissionSafe^® app.  

MissionSafe Customer FAQ’s

Scoring

How does the app score my driving?

The app collects and analyzes your driving data, then provides an overall driving score out of 100 based on a series of criteria. For each of the criteria below, a specific sub score is also provided.

• Phone Distraction: Using the phone in your hand while the vehicle is in motion
• Hard Braking: A sudden reduction in speed
• Speeding: Driving over a safe speed for a given road
• Hard Acceleration: A sudden increase in speed
• Cornering: Turning or swerving harshly

Why did my score go down?

There are three main reasons that your score may decrease.

• Change Over Time: The app calculates your score based on your trips over the last two weeks. This means that your scores may change each day as trips older than two weeks are removed from the score calculation, including overall score, scored distance, and the number of scored trips.
• Change in Risky Events: The score is based on driving performance. If your trips within a given two-week period have more risky events than earlier periods, your score will be lower as a result.
• Change in Driving Distance: Finally, the score is also based on risk per distance driven, so that if your risk events between two periods are similar, but you drive fewer miles in the second period, your score may go down.

What is the difference between the number score and the star rating?
Number Score
Your overall score, out of 100, is presented on the Dashboard screen in the app. This is the key measurement of your driving performance, calculated with data from your trips over the past two weeks. The app compares your performance to the typical driver population for each sub score, like hard braking or speeding, and then weighs your sub scores together to produce an overall score. The app uses aggregated data from millions of users and billions of recorded miles to calculate your relative level of risk per mile.

Star Rating
The star ratings are granted for each individual trip and can be viewed on the Trips screen. They provide an idea of what happened on each trip. For a given trip, you can lose stars for any risky events that occur, such as phone use, hard braking, speeding, hard acceleration, and hard cornering.

How is hard braking measured?

The app records a hard-braking event when you reduce your speed suddenly, such as slamming on the brakes in a lower-speed zone or drastically reducing speed on the highway. If you engage in hard braking often, even at lower speeds, it may suggest tailgating or not paying attention, which can be factors in crashes.

Why was I penalized for hard braking when I couldn't avoid it?

The app does not know the circumstances of a specific hard braking event - it only measures how hard you are braking, and for how long. Your overall score considers the number (rate) of hard braking events. Occasional hard braking in unavoidable circumstances does not substantially impact your score. Note that you may lose stars for an individual trip because the stars only provide a measure of what happened on that trip.

How is speeding measured?

The app identifies a speeding event when the user is driving above the "safe speed." This is based on a threshold over the posted speed limit for the relevant road.

How is hard acceleration measured?

Hard acceleration measures the rate at which you accelerate during a trip - that is, how quickly you shift from a lower speed to a higher speed. Circumstances like merging into fast-moving traffic can make hard acceleration unavoidable at times, and rare occurrences should not affect your score. If you are frequently marked for hard acceleration, however, it will reduce your score.

How is hard cornering measured?

The app records a hard cornering event if you drive around a corner harshly. To avoid hard cornering, reduce your speed around corners.

How is phone use measured?

The app uses a combination of three factors to detect phone distraction:

• The phone screen is on
• The phone is in motion in your hand
• The car is in motion

Why was I penalized for phone use when my car was stopped?

Even if the car is stationary when you pick your phone up, the app registers a phone use event if you begin to drive while still holding it. The distraction penalty only applies for the period you are using the phone while in motion. It is safer to stop using the phone before beginning to drive.

Why was I penalized for phone use when my passenger was using my phone?

Because the app cannot automatically distinguish between a driver using the phone distractedly, and a passenger using the phone safely, we recommend passengers not use the driver's phone to ensure your score is not affected. In cases where a passenger does use your phone while you are the driver, you can access the trip on the trips tab, select the trip in question, and change the label at the top right from ‘Driver’ to ‘Driver (Passenger used phone)’. This will remove any distraction events from the trip in question.

How does the app know if I am a driver or a passenger?

Over time, the app learns your driving behaviors and common routes, allowing it to determine whether you were a driver or a passenger for a given trip. To help the app in this process, we recommend that you review and update your trip classifications for your first ten or fifteen trips, so the app learns whether you are a driver or passenger, or in another mode of transportation.

To classify your status, navigate to the Trips screen, tap on a given trip, then tap the Driver icon in the upper right corner. You will see a series of options from which to select the correct mode of transportation. Your scores should be recalculated immediately, although your Streaks and Leaderboard ranking may take a short time to update.

How does the app determine the start and end of a trip?

The app uses several different phone sensor inputs to identify if a drive counts as one or more trips. For example, the app should differentiate between being stopped in traffic and being stopped because the trip has ended. Note that if a single trip was recorded as two trips in error, it should not affect your score.

What is the gray line that appears on my trip route?

The app may take up to a minute or two after a trip starts to detect driving and start collecting location data. In these situations, the app calculates an inferred path back to your last known location. The app displays the inferred path to you as a gray line on the trip route.

Why does the app say that it is recording a trip when I am not in a vehicle?

In rare cases, you may see a "Recording" message in the app when you are not on a trip. This can occur because the phone has registered changes that are like the movement of a vehicle. Even though the app says "Recording," this will not generate valid trip recordings that are scored or displayed in the app. In the rare event that one of these trips does display in the app, you can change the trip label so that it is not scored.

Does my mileage or how much I drive impact my score?

Mileage is used to “normalize” other aspects of your driving (i.e., one hard braking incident on a 1-mile trip is different from one hard braking incident on a 100-mile trip) but mileage will not directly impact your score. The MissionSafe program rewards you for HOW you drive and not HOW MUCH you drive.

What can I do to get the best score possible?

Focus on safe driving. Studies show the most effective way to improve your driving habits is to be aware of how you drive.

Could my driving score/behavior cause my policy to be cancelled or non-renewed?

Driving details collected as a part of the MissionSafe program will be used ONLY as a part of the MissionSafe program; to provide rewards for safe driving and to calculate the renewal premium associated with the MissionSafe Driving Factor. Driving details will never be used as a part of the underwriting, renewal, or cancellation of your policy.

I have other questions about the MissionSafe Program, my Westfield policy, or my driving discount.

Please visit our website at westfieldinsurance.com for answers to more of your policy related questions.

Data

Does the app use my phone data?

Yes, the app uses some phone data to process and score your trip results. The app uploads about 400-500 kilobytes of data per hour of driving.

Does the app require an internet connection?

Internet access is required to process and score any new trips. This Internet connection can come from a Wi-Fi network or a cellular network. If the smartphone is not connected to the Internet when new trip data is ready to be uploaded or newly scored trips are ready to be downloaded, the upload/download will happen automatically when the Internet connection is available. An active Internet connection is not required to record trip data or view the results of prior trips.

What data does the app record?

The app records data to measure your driving during a trip and identify risky driving events. In addition, we may receive data related to your use of the app to help us improve the app experience. The app collects:

• Location data (incl. from GPS when available)
• Accelerometer data
• Gyroscope data, if available
• Magnetometer data
• Barometer data, if available,
• Time
• Your interaction with the phone while you're driving (for example, whether the phone is in motion or not)

Important: The app does not record information about which apps are in use or the content of any messages or calls.

• Smartphone settings and status
• Your interactions and engagement with the app's screens and information

Does the app use my phone's battery?

The app uses the phone's battery to run and has a negligible effect on the battery when you are not driving. When you're driving, the typical battery drain is only a few percent per hour. This amount varies based on the smartphone model and age. To check the app's battery usage:

iPhone
Go to: Settings > Battery > Scroll to find the app

Android
Go to the app’s App Info page > Scroll through the options to find battery usage

Note that each manufacturer may modify the interface so these steps might vary.

How is my driving data used?

We will use the data solely for research, premium calculation, to improve our service offerings, and for other purposes related to the program. We will adhere to the company’s privacy policy.

How long will you keep my data?

We’ll retain aggregated data to support our ongoing analytics and modeling development needs. Individual data will be retained as required or permitted by law.

If I chose to opt out from MissionSafe during the review period, what happens to my data and can it still impact my rate on other Westfield products?

Westfield will not use your data to rate your policy if you choose to opt out during the review period. However, you may experience an increase in your policy premium due to the elimination of any participation discount you may have received when you enrolled. Westfield will retain all data collected during this Program, including but not limited to data generated, captured or derived from the app.

Who else will have access to my data? Will a third-party be housing my data?

During this program, data (including your personal information) will be collected and securely stored by our partner, Cambridge Mobile Telematics, in the manner and for the purposes described in the Terms and Conditions.

Will you use my data for any other purposes outside of MissionSafe?

Westfield may analyze the data to determine ways to develop or enhance Westfield insurance programs, services and/or products, including the creation of non-insurance products and services.

Installation

Why do I need to accept permission requests?

Once you download the app, you will receive permission requests from your phone's operating system. You need to accept these requests to engage with and benefit from the app's features.

For the app to function properly, the following permission requests must be set exactly as directed:

iOS

• (Required) Location Services: Location permissions must be set to Always (with Precise Location set on iOS 14 and above). This permission is required for the app to record trips.
• (Strongly Recommend) Motion & Fitness: Using motion activity, the app can more accurately determine when to start and stop trip recording.
• (Recommended) Notifications: Enabling notifications for the app lets the app send you updates about your trips, rewards (if available), and other engagement features.

Android

• (Required) Location permissions: Location permissions are required for the app to be able to record trips in the background. Beginning with Android 10, this permission must be set to "Allow all the time."
• (Required) Physical Activity: User activity permissions are required for reliable trip detection.
• (Recommended) Notifications: Enabling notifications for the app lets the app send you updates about your trips, rewards (if available), and other engagement features.

Why aren't my trips recording?

The app should automatically run in the background of your smartphone. This means the app does not need to be opened or displayed on the main screen for the smartphone to record trips. If your app is not recording trips automatically, you may be experiencing one of the following situations:

The app will not record if the phone is powered off.
The app will not record if the phone battery is very low or Power Save/Low Power modes are on.

To troubleshoot: Charge the phone battery and turn off Power Save or Low Power mode. Most phones also allow you to determine at what percentage your battery saver turns on. If you would like Power Save or Low Power mode to turn on at a lower threshold like 10%, visit your phone's battery or battery optimization section in Settings.

The app will not record if Location is disabled.

To troubleshoot in iOS: Navigate to "Settings." Select the app. Select "Location" and then select "Always." In iOS 14 and later, make sure Precise Location is set.

To troubleshoot in Android: Navigate to "Settings." Select "Apps & Notifications" and then "All Apps." From the App Info page, select your telematics app. Select "Permissions" and then "Location." Select "Allow all the time."

The app may not record if the phone is experiencing sensor issues, such as Location, accelerometer, or gyroscope not working properly.

To troubleshoot an accelerometer or gyroscope issue:

To fix, turn off the phone and turn it back on.
If that doesn't work, it may be necessary to send it in for repair.

Tip: A symptom of the gyroscope malfunctioning is the inability to switch between portrait and landscape mode when the phone is rotated.

To troubleshoot a Location or GPS issue:

Turn off the phone and turn it back on
If that doesn't work, it may be necessary to send it in for repair.

The app may not record if the phone is running multiple resource-intensive apps and the app does not have the necessary resources to perform.

To troubleshoot: Close resource-intensive apps.

The app may not record if ‘Background App Refresh’ is disabled.

To Troubleshoot, go to settings > general > Background App Refresh find the app in the list and make sure this functionality is enabled

Can I use the app with a new smartphone?

If you need to change phones or reinstall the app, log in under the Returning User option. A PIN code will be sent to the email address you provided during your first time registering for the app. The PIN code is a one-time password that does not expire but can only be used once.

Privacy

Will the app record me or my voice?

No. The app captures driving data only.

What is the privacy policy for this app's developer?

Cambridge Mobile Telematics only collects and maintains the minimum amount of data necessary to provide the services CMT offers.

Cambridge Mobile Telematics does not sell any customer information. Cambridge Mobile Telematics does not share customer information with third parties unless expressly authorized by the customer and then only as part of providing CMT's services or required by law.

Cambridge Mobile Telematics maintains physical, procedural and technological controls to protect customer information and to comply with privacy laws and regulations.

For more details, please read the Cambridge Mobile Telematics Privacy Policy on its web site."https://www.cmtelematics.com/Privacy/"

What is the Westfield Privacy Promise?

You may access the Westfield Privacy Promise anytime at this link: https://www.westfieldinsurance.com/privacy-promise

General

Who can I contact if I have more questions about the program?

Use the Email Us link or phone number on the Help Tab and one of our team members will be happy to further assist you with your questions.

Will Westfield start a claim based on the data that MissionSafe collects?

A claim based on the data that MissionSafe collects would never be initiated without your consent.

How is this different from other driving apps like WAZE and LIFE 360?

The functionality of MissionSafe is like other navigation and driving safety apps, using your driving data to help you become a safer driver. Like these other independent apps, MissionSafe offers personalized driving tips, opportunities to achieve recognition for safety milestones and the option to share those with family members and leaderboard competitors. However, in addition to those benefits, MissionSafe offers the opportunity to save money on your Westfield Auto Insurance Policy as well as earn rewards for your ongoing safe driving!

Can I share my information with my family members or friends in the program?

Users can join a family group that they are invited to and then will have the opportunity to share their information with others in their group. Users must opt into the invitation to join the family sharing group.

Can I still bundle MissionSafe with my home policy and get the same savings?

Enrolling in MissionSafe results in potential savings opportunities in the form of discounts and rewards. All existing coverages and all existing discount opportunities remain. This includes any discounts for bundling your auto and home coverages.

How would MissionSafe change the level of coverage I get with my home-owners policy?

Enrolling in the MissionSafe program as a part of your already existing auto coverage policy with Westfield does not change any of your already existing home coverage with Westfield. If your application for the MissionSafe program is a part of a new policy submission for auto coverage with Westfield, select coverages of your existing home-owners policy with Westfield can be enhanced should you elect to package the home and auto coverages.

How would using MissionSafe affect my existing auto deductibles, coverages and discounts?

All existing deductibles, coverages and discount opportunities remain.

Can you explain the leaderboards and how the group participants are determined?

Leaderboards are designed to motivate improvement through competition between group members. Groups can be formed with no commonality of participants. Friends, neighbors, fellow workers and complete strangers can form groups, but all participants must be enrolled in MissionSafe. Scores go into leaderboards and allow users to see how they’re performing compared to their peers. The scores are anonymized to protect participant privacy.

Families can form a group as well. Family sharing is an opt-in program that allows family members to see one another’s scores, latest location, trip details, trends and streaks. Family Sharing helps parents assess children’s driving scores and focus on safety.

What discounts can I earn by enrolling in the MissionSafe Program?

A Participation Discount will be applied to your Policy during the first policy term contingent upon completion of the App download and registration within 45 days of enrollment. If a Participating Driver is enrolled in the Program mid-term, the Participation Discount will be applied pro-rata for the remainder of the current term.

The Participation Discount will be applied until enough data is captured to determine if a Driving Score should be applied at renewal. If there is more than one Participating Driver on the Policy, the Participation Discount is determined by dividing the sum of all Participation Discounts earned by Participating Drivers by the number of rated (assigned) drivers on the Policy.

The Driving Score Discount will be calculated based on driving behaviors of Participating Drivers such as acceleration intensity, hard braking, speed, distance traveled and phone use while driving, and will be applied at the next renewal. If there is more than one Participating Driver on the Policy, the Driving Score Discount is determined by dividing the sum of the Driving Score Discounts earned by Participating Drivers by the number of rated (assigned) drivers on the Policy.

The Driving Score Discount ranges are:

Driving    Discount

Score       Range

1-30         0%

31-50       0% to 10%

51-60       10% to 15%

61-70       15% to 23%

71-80       23% to 30%

81-90       30% to 35%

91-100     35% to 40%