We offer various usage-based insurance programs that collect different information from you, including SmartRide®, SmartMiles® and Smart Home. We also offer rewards programs including Nationwide Focused Driving RewardsSM.
SmartRide® is a telematics discount program that provides you with personalized feedback to help you make safe driving decisions, while allowing you to earn discounts on your insurance premium. SmartMiles® is a telematics, usage-based, pay-per-mile insurance program. Focused Driving RewardsSM is a program that offers rewards for driving focused. Focused Driving Rewards does not require an insurance policy to participate. If you participate in these programs, we will gather information using a telematics device that you plug into your car, our smart phone app that you download, data aggregators or other technology capable of recording and transmitting the necessary data. As part of these programs, we may collect information about your vehicle, such as driving speed, trip information, or geolocation. If you use the mobile app, it will collect location data to enable Focused Driving Rewards even when the app is closed or not in use. We may collect information about your mobile device as well.We may continue to collect this information until you change the permissions relating to its collection. In order to stop the collection of this information, you may delete or change the privacy permissions for your mobile app, remove the telematics device from operation and/or turn off data sharing. Please note that turning off or disabling telematics features will affect the services and functionality available to you. Depending on your particular program, we may also cancel your product, service, or insurance coverage as a result of these actions.
Smart Home is a program offering protection systems that monitor the safety, security, and loss prevention status of your residence through a mobile device. The program includes a discount on your insurance premium for sharing the data from the activated system. If you participate in the smart home program, we may collect information from and about your smart home device, sensor, or alarm when you sign up for a usage-based insurance program that relies on such telematics information. Depending on the particular program, this may include types, number, make, model, installation date, status, location, and operating condition of sensors, alarms, cameras, or other devices connected to your smart home system. In some cases, this may also include information sent from these sensors, alarms, or other devices. You may access your personal information or manage the permissions relating to such devices using the privacy settings provided by the manufacturer or service provider for these devices.
For additional information, please review the Terms and Conditions of Use within Nationwide Mobile for Focused Driving Rewards or within the web portal or mobile app for SmartRide®, SmartMiles®, or Smart Home.
1 Nationwide does not collect geolocation data in connection with its SmartRide and SmartMiles programs from insurance policyholders in California. Nationwide’s use of telematics data collected in connection with its SmartRide and SmartMiles programs is limited to determining actual miles driven from insurance policyholders in California.