• Telematics and Auto Correct Motor Insurance

    Telematics and Auto Correct Motor Insurance



    1. What is telematics?

      It is a branch of information technology that deals with the transmission of computerised information over long distances. Vehicle telematics is the application of such systems to road vehicles using a wide range of telematics devices and mobile phone technology.


    2. What is a telematics device?

      A telematics device is a device that can installed in a car, which records information about how, when and where the car is driven. The telematics device also records driver behaviour related to acceleration, braking, and cornering, which are key factors in judging the safety of a driver. A telematics device makes telematics insurance possible.


    3. What is Auto Correct motor insurance?

      Auto Correct motor insurance is a comprehensive motor insurance policy from Heritage Insurance in partnership with experts in the telematics field.

      For the first time in Kenya, this partnership has made it possible to design and launch Auto Correct, a usage based insurance product that:


      • Rewards you for safe driving
      • Makes claims processing easy
      • Potentially reduces insurance cost for safe drivers through premium cashback
      • Provides up to date driver feedback

    4. How does telematics insurance work?

      When you buy telematics car insurance from Heritage Insurance, information is collected by a telematics device that is fit out of sight in your car. There is a sim card inside the telematics device, which means that it works like a mobile phone. The device sends information to Heritage Insurance that is analysed to determine how safely you drive.

      You are provided with a summary of the information collected from your telematics device through an app installed on your mobile phone. This includes your driving score, tips on how to improve your driving, a review of your trips among others.


    5. What is the purpose of telematics insurance?

      The technology supporting this insurance product is primarily to help you drive safer. If you drive safely and maintain high scores, you will gain loyalty points, which you can redeem from time to time at a number of our selected service providers.

      The Heritage Insurance telematics motor policy can help you reduce your insurance cost, if you are a safe driver. At the end of your policy period, you could receive up to 15% cash back on annual paid premiums.


    6. Why should I take telematics motor insurance policy?

      Here are just a few reasons:


      • Get up to 15% cash back on annual paid premiums
      • Rewards good driving through a loyalty program
      • Provides access to a mobile app and an online portal that provides up to date driver feedback
      • Provides useful information which can speed up the claims process



    Download Auto Correct Conversion Form

  • How the telematics device operates

    How the telematics device operates



    1. What is inside the telematics device?
      • A motion sensor which provides information on distance driven, acceleration, braking and cornering. It also provides impact information which is important in the event of an accident.
      • SIM card which transmits information to the Heritage Insurance data base
      • Provides access to a mobile app and an online portal that provides up to date driver feedback
      • Computer software which controls how the information is collected, transmitted and analysed.

    2. What information does the telematics device record?

      The device records:


      • Distance travelled
      • The time of day or night
      • Your driving style: how you accelerate, brake and negotiate corners

      The device is also capable of collecting other engine functions such as temperature and engine rotations, but these are not used for telematics insurance


    3. What is an OBD (On Board Diagnostics) port?

      The OBD port is a small port/plug that is located on the inside of your vehicle. The telematics device is plugged into this port, and once operational, it activates your Auto Correct motor policy by sending you a WELCOME message. The OBD port is standard in most vehicles manufactured after 1996.


    4. Where is the OBD port located in my vehicle?

      The OBD port is generally located on the inside of the vehicle, on the driver's side, below the dashboard (near the pedals). However, the exact location of the OBD-II port may vary depending on the type of vehicle (Make, model and year of manufacture). Our experienced technicians are able to locate the port based on their vast experience as well as resources available to them.


    5. Can the device be fitted to all cars?

      Yes, fitting of the device is simple and is fully compatible with the majority of vehicles. An option exists where the device can be fitted in the engine compartment. This is useful for rare car models or where the space provided by the vehicle manufacturer for the OBD port is not sufficient.


    6. Who fits my telematics device?

      The telematics device will be fitted by our qualified technicians based at Liberty House, ground floor, at the customer service section. Heritage Insurance will bear the cost of acquiring and fitting the device for motorists who opt for the Heritage Auto Correct motor insurance policy.

      The device can also be installed on appointment with selected partners. The client can also self-install the device as it uses ‘plug and play’ technology and instructions can easily be provided over the phone.


    7. Does the telematics device affect the functionality of my car?

      No, the telematics device does not affect the car’s performance, electrical components or the systems. It is simply plugged on a pre-existing OBD port.


    8. Can the telematics device interfere with my vehicles on-board electronics?

      No, the telematics device is designed to plug into the vehicles OBD port which is in the interior of the vehicle, and is designed to only use minimal voltage and read information from the vehicle. It is not designed to "push" or "write" information to the OBD port and therefore will not cause any interference with the vehicles on-board electronics.


    9. Will the telematics device drain my vehicle's battery?

      No, the telematics device should not drain your vehicle’s battery. The device has been designed to use minimal voltage from the battery and therefore does not drain enough power to prevent you from being able to start your vehicle.


    10. When is the device installed?

      The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.


    11. My telematics device has been damaged and/or is not working correctly, what do I do?

      The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.


      • Is the device not operating correctly (i.e. not recording trip information)?
      • Is the device physically damaged?

    12. Can I transfer the telematics device from one vehicle to another vehicle that is also insured under this policy?

      No, you should not transfer the telematics device from one vehicle to the other. For data accuracy and insurance cover purposes, Heritage Insurance keeps track of which telematics device is linked to which vehicle. If the device is removed from the vehicle, a device removal notification will be generated and Heritage Insurance will contact you for re-installation.


    13. My Telematics device has been lost or misplaced, what do I do?

      Please notify Heritage Insurance call centre on 0711 076 444 immediately for assistance and further guidance


    14. What if I change my car or cancel the policy?

      The device remains the property of Heritage Insurance Company Limited. If you change your car or cancel the policy then you’ll need to call Heritage Insurance on 0711 076 444 so that we can guide you on how to return the device to us.

      If you are changing vehicles but would like to retain Auto Correct insurance, it is possible to install a new telematics device on your new vehicle so that you do not lose your benefits such as driving data, scores and accumulated loyalty points


    15. Why did I receive a device removal notification even though I did not remove the telematics device?

      Please follow the below steps to resolve the matter:


      • Go to your vehicle and confirm the device is still firmly installed in the port
      • If the device is still firmly installed, confirm that your vehicle's battery has not gone flat (if the battery is flat, the device will generate a device removal event as it is no longer being supplied with voltage and therefore assumes it has been disconnected).
      • If there is no issue with your vehicle's battery (i.e. you are currently able to start the vehicle), the device is firmly connected and the issue still persists after the above steps, please contact the Heritage Insurance call centre on 0711 076 444 and a representative will assist you.

    16. What is the process to be followed, when I take my vehicle in for service/repairs?

      The telematics device is installed in the vehicle via a connection to the OBD port - this is the same port that is used by the service technician when servicing the vehicle. Please make sure the technician removes the telematics device (if they need to) keeps the device in a safe environment and re-installs the device back into the vehicle after the service is done.


    17. Can I be insured before the device is installed?

      Yes you’re insured from the date and time you specify you want the policy to start from, even if you haven’t had the device fitted.


    18. If I was involved in an accident and the device was damaged, would I have to pay for another device?

      The device is fitted out of sight so it’s unlikely that it would be damaged in an accident. However, if the device was damaged then the cost would be covered by the insurance as a part of the repair cost so that you can continue to enjoy your Auto correct insurance policy.


    Download Auto Correct Conversion Form

  • Eligibility & Insurance Premium Payment

    Eligibility



    1. Who is eligible for Auto Correct?

      To be eligible for Auto Correct, you need to own a private car, insured on Comprehensive cover with all the insurance premiums fully paid.


    2. Can I convert midway through my policy period?

      Yes, you can convert to Auto Correct in the middle of your policy term.



    Telematics and Auto Correct Motor Insurance



    1. What is telematics?

      It is a branch of information technology that deals with the transmission of computerised information over long distances. Vehicle telematics is the application of such systems to road vehicles using a wide range of telematics devices and mobile phone technology.



    Download Auto Correct Conversion Form

  • How to use the Auto Correct portal

    How to use the Auto Correct portal



    1. Can I share my driving feedback with someone else?

      Yes, you can share your driving feedback with anyone after getting the information from your mobile application or after logging in at the portal..


    2. I have forgotten my password for the Insurance Portal or Mobile Application, what do I do?

      If you have forgotten your password for the Mobile Application/Insurance Portal you can reset your password. Log into the Insurance Portal and click on the "Forgot Password" button by the log in screen. You will then be taken to the “forgot password” page.

      Simply insert your username and click "Reset" - A reset code will then be sent through to you by email and SMS. Login back into the Insurance Portal, click on tab "Reset password with code" and fill in the necessary details and reset your password..


    3. What do I do if I have forgotten my username & password for the Insurance Portal and the Mobile App?

      If you have forgotten you username and password, please make contact with Heritage Insurance call centre on 0711 076 444 and a representative will assist you.


    4. How long does it take to see my scores after installation?

      When the telematics device is installed for the first time, the system does need some time (approx. 48 hours after installation) to calculate your initial score. Thereafter, your score is adjusted and re-calculated once a day, every day. If you are still experiencing issues with not seeing a score on the Insurance Portal or Mobile Application (after the initial 48 hours) then contact Heritage Insurance call centre on 0711 076 444.


    5. What happens when I drive in an area with poor network connections?

      WThe telematics device installed in your vehicle sends all driving data via the GSM network. If the vehicle enters an area that has poor GSM signal (for example, underground parking), the telematics device is sometimes not able to send the driving data until the vehicle is driven again and exits the area with poor GSM coverage. The telematics device is designed to keep a record of these trips and location data and will send this data as soon as the vehicle has driven into an area with a good GSM signal.

      These trips and updated location data will show on the mobile application and insurance portal soon after the data has been sent. If you are still experiencing issues with data not updating on the Portal or Mobile Application for some time (even though the vehicle is being driven regularly) then please contact Heritage Insurance call centre on 0711 076 444 and a representative will assist you.




    Download Auto Correct Conversion Form

  • Data use, protection and sharing

    Data use, protection and sharing
     


     

    1. How confidential is the data collected and who can the data be shared with?
      The data collected is confidential and access is limited to only the staff administering the product and to the extent that they are discharging the activities. Access logs are monitored to ensure compliance. Staff have signed confidentiality agreements with clear disciplinary procedures in the event of non-compliance.
      Data cannot be shared with any authority unless it is through a court order.
       
    2. Do I have access to the information collected by the telematics device?
      On enrolling for our telematics insurance policy, you will download the Auto Correct Mobile Application which will provide you with a dash board showing a summary of the following among others:
      i.    Vehicle location
      ii.    Number of trips made
      iii.    Your score for the last 7 days, 30 days and one year
      iv.    Driving exceptions such as harsh braking or acceleration
      v.    Tips on how to improve your driving based on your driving exceptions
       
    3. How is my data protected?
      We will not release your data to the police or to any civil authorities, unless we are required to do so by law or a court order.
  • Reward Program

    Reward Program



    1. What is Auto Correct reward program?

      This is a points based loyalty program that rewards you for safe driving. The points awarded are based on your driving patterns, and these points can be redeemed for an exciting choice of reward options guided by your preferences.


    2. How do I join Heritage program?

      All customers who have effected an Auto Correct insurance policy are automatically eligible.


    3. How do I know the value of my points?

      The value of your points is available on the Auto Correct mobile app and is updated on a weekly basis

      For Safaricom subscribers, you can also dial *415*415# to get the current value of your points.


    4. How do I redeem my points?

      For Safaricom subscribers, dial *415*415# to get the current value of your points.
      For other subscribers, please email autocorrect@heritage.co.ke for further assistance.


    5. Where can I redeem the loyalty points?
      • ArtCaffe
      • Text Book Centre
      • Bata
      • Healthy U
      • Carnivore & Roast
      • Urban Gourmet Burger and
      • Chandarana Supermarkets

      Additional outlets will be added over time.


    6. Can I earn points on other products offered by Heritage Insurance?

      Not at the moment. For now, it is only the Auto Correct insurance product that is on a reward program.


    7. Can I redeem my loyalty points for cash?

      No.


    8. Can I transfer my loyalty points to someone else?

      No. Loyalty points are not transferrable.


    9. Do the loyalty points or redeemed vouchers expire?

      The loyalty points expire three months after the end of your policy period. Once a voucher is issued/redeemed, it expires after six months.


    10. Can I carry forward loyalty points to the next policy period?

      No. The points from one policy period cannot be carried forward to the next policy period.


    11. If I have more questions, who can I contact?

      Please direct all your questions to 0711 076 444 or send an email to Autocorrect@heritage.co.ke




    Download Auto Correct Conversion Form

  • General questions

    General questions



    1. Are there mileage restrictions on this policy?

      No.


    2. What should I do in event of an accident?

      In the event of an accident, please call the Heritage Call Centre on 0711 076 444. You may also report the accident through your broker or agent.


    3. Who do I contact for any queries/issues with my policy or the Telematics device?

      For any and all queries please call the Heritage Insurance Company call centre number 0711 076 444 and a representative will assist you.



    Premium Cashback



    1. What is premium cashback?

      This is a proportion of premium paid that is given back to the client in form of cash for safe driving.


    2. How do I enjoy premium cashback?

      The premium cashback will apply at the end of the policy period, up to a maximum of 15% of the base annual premium paid. This will be subject to the following:


      a) There has been no claim by the insured on the vehicle for 12 months from the policy anniversary date.
      b) The insured has maintained an average driving score for the year as follows:


      Score

      Premium Cashback

      95 and above

      15%

      Between 90 and 94

      10%


    3. Can I enjoy premium cashback if I convert mid-way through my existing policy?

      The premium discount will only apply for customers who have been on Auto Correct for a full year from the policy anniversary date. You can however, enjoy premium cashback in your subsequent policy periods after your next policy renewal.


    4. When is the premium cashback paid?

      The premium cashback will be paid within 30 days of the end of your policy period.


    5. How will the premium cashback paid?

      The premium cashback will be paid through a bank transfer or mobile money transfer.



    Data use, protection and sharing



    1. What is my driving data used for?

      Heritage has introduced this technology in order to potentially reduce the cost of Insurance and help make our roads safer. The information we collect is used for:

      • Assessing your potential cashback at the end of your policy period
      • Awarding loyalty points on the basis of how you drive
      • Managing your claims after an accident


    2. How confidential is the data collected and who can the data be shared with?

      The data collected is held with the highest confidence and access is limited to only the service staff administering the product and to the extent that they are discharging the activities specified in (a) above. Access logs are monitored to ensure compliance. Staff has signed confidentiality documents with clear disciplinary procedure in the event of non-compliance.
      Data cannot be shared with any authority unless it is through a court order.


    3. Do I have access to the information collected by the telematics device?

      On enrolling for our telematics insurance policy, you will download the Auto Correct Mobile Application which will provide you with a dash board showing a summary of the following among others:

      • Number of trips made
      • Your score for the last 7 days, 30 days and one year
      • Driving exceptions such as harsh braking, cornering or acceleration
      • Tips on how to improve your driving based on your driving exceptions
      • Vehicle location


    4. How is my data protected?

      • We will not release your data to the police or to any civil authorities, unless we suspect fraud or attempted fraud, or if we are required to do so by law or a court order.
      • We will not be using your driving data as a 'speed camera'.
      • We will use the data to help us identify if another driver is making a false claim against you.
      • We will use the data to help us verify the details of your claim.


    Enrolling



    1. How do I get an Auto Correct insurance policy?
      • SMS “Auto Correct” to ‘22922’ or;
      • Submit your details on autocorrect.heritageinsurance.co.ke or;
      • Visit Liberty House, Ground Floor or;
      • Call 0711 076 444 or;
      • Email Autocorrect@heritage.co.ke or;
      • Contact your agent or broker

      A customer service representative will guide you through the process of enrolment and discuss the premium payment options.




    Download Auto Correct Conversion Form

Telematics and Auto Correct Motor Insurance



  1. What is telematics?

    It is a branch of information technology that deals with the transmission of computerised information over long distances. Vehicle telematics is the application of such systems to road vehicles using a wide range of telematics devices and mobile phone technology.


  2. What is a telematics device?

    A telematics device is a device that can installed in a car, which records information about how, when and where the car is driven. The telematics device also records driver behaviour related to acceleration, braking, and cornering, which are key factors in judging the safety of a driver. A telematics device makes telematics insurance possible.


  3. What is Auto Correct motor insurance?

    Auto Correct motor insurance is a comprehensive motor insurance policy from Heritage Insurance in partnership with experts in the telematics field.

    For the first time in Kenya, this partnership has made it possible to design and launch Auto Correct, a usage based insurance product that:


    • Rewards you for safe driving
    • Makes claims processing easy
    • Potentially reduces insurance cost for safe drivers through premium cashback
    • Provides up to date driver feedback

  4. How does telematics insurance work?

    When you buy telematics car insurance from Heritage Insurance, information is collected by a telematics device that is fit out of sight in your car. There is a sim card inside the telematics device, which means that it works like a mobile phone. The device sends information to Heritage Insurance that is analysed to determine how safely you drive.

    You are provided with a summary of the information collected from your telematics device through an app installed on your mobile phone. This includes your driving score, tips on how to improve your driving, a review of your trips among others.


  5. What is the purpose of telematics insurance?

    The technology supporting this insurance product is primarily to help you drive safer. If you drive safely and maintain high scores, you will gain loyalty points, which you can redeem from time to time at a number of our selected service providers.

    The Heritage Insurance telematics motor policy can help you reduce your insurance cost, if you are a safe driver. At the end of your policy period, you could receive up to 15% cash back on annual paid premiums.


  6. Why should I take telematics motor insurance policy?

    Here are just a few reasons:


    • Get up to 15% cash back on annual paid premiums
    • Rewards good driving through a loyalty program
    • Provides access to a mobile app and an online portal that provides up to date driver feedback
    • Provides useful information which can speed up the claims process



Download Auto Correct Conversion Form

How the telematics device operates



  1. What is inside the telematics device?
    • A motion sensor which provides information on distance driven, acceleration, braking and cornering. It also provides impact information which is important in the event of an accident.
    • SIM card which transmits information to the Heritage Insurance data base
    • Provides access to a mobile app and an online portal that provides up to date driver feedback
    • Computer software which controls how the information is collected, transmitted and analysed.

  2. What information does the telematics device record?

    The device records:


    • Distance travelled
    • The time of day or night
    • Your driving style: how you accelerate, brake and negotiate corners

    The device is also capable of collecting other engine functions such as temperature and engine rotations, but these are not used for telematics insurance


  3. What is an OBD (On Board Diagnostics) port?

    The OBD port is a small port/plug that is located on the inside of your vehicle. The telematics device is plugged into this port, and once operational, it activates your Auto Correct motor policy by sending you a WELCOME message. The OBD port is standard in most vehicles manufactured after 1996.


  4. Where is the OBD port located in my vehicle?

    The OBD port is generally located on the inside of the vehicle, on the driver's side, below the dashboard (near the pedals). However, the exact location of the OBD-II port may vary depending on the type of vehicle (Make, model and year of manufacture). Our experienced technicians are able to locate the port based on their vast experience as well as resources available to them.


  5. Can the device be fitted to all cars?

    Yes, fitting of the device is simple and is fully compatible with the majority of vehicles. An option exists where the device can be fitted in the engine compartment. This is useful for rare car models or where the space provided by the vehicle manufacturer for the OBD port is not sufficient.


  6. Who fits my telematics device?

    The telematics device will be fitted by our qualified technicians based at Liberty House, ground floor, at the customer service section. Heritage Insurance will bear the cost of acquiring and fitting the device for motorists who opt for the Heritage Auto Correct motor insurance policy.

    The device can also be installed on appointment with selected partners. The client can also self-install the device as it uses ‘plug and play’ technology and instructions can easily be provided over the phone.


  7. Does the telematics device affect the functionality of my car?

    No, the telematics device does not affect the car’s performance, electrical components or the systems. It is simply plugged on a pre-existing OBD port.


  8. Can the telematics device interfere with my vehicles on-board electronics?

    No, the telematics device is designed to plug into the vehicles OBD port which is in the interior of the vehicle, and is designed to only use minimal voltage and read information from the vehicle. It is not designed to "push" or "write" information to the OBD port and therefore will not cause any interference with the vehicles on-board electronics.


  9. Will the telematics device drain my vehicle's battery?

    No, the telematics device should not drain your vehicle’s battery. The device has been designed to use minimal voltage from the battery and therefore does not drain enough power to prevent you from being able to start your vehicle.


  10. When is the device installed?

    The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.


  11. My telematics device has been damaged and/or is not working correctly, what do I do?

    The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.


    • Is the device not operating correctly (i.e. not recording trip information)?
    • Is the device physically damaged?

  12. Can I transfer the telematics device from one vehicle to another vehicle that is also insured under this policy?

    No, you should not transfer the telematics device from one vehicle to the other. For data accuracy and insurance cover purposes, Heritage Insurance keeps track of which telematics device is linked to which vehicle. If the device is removed from the vehicle, a device removal notification will be generated and Heritage Insurance will contact you for re-installation.


  13. My Telematics device has been lost or misplaced, what do I do?

    Please notify Heritage Insurance call centre on 0711 076 444 immediately for assistance and further guidance


  14. What if I change my car or cancel the policy?

    The device remains the property of Heritage Insurance Company Limited. If you change your car or cancel the policy then you’ll need to call Heritage Insurance on 0711 076 444 so that we can guide you on how to return the device to us.

    If you are changing vehicles but would like to retain Auto Correct insurance, it is possible to install a new telematics device on your new vehicle so that you do not lose your benefits such as driving data, scores and accumulated loyalty points


  15. Why did I receive a device removal notification even though I did not remove the telematics device?

    Please follow the below steps to resolve the matter:


    • Go to your vehicle and confirm the device is still firmly installed in the port
    • If the device is still firmly installed, confirm that your vehicle's battery has not gone flat (if the battery is flat, the device will generate a device removal event as it is no longer being supplied with voltage and therefore assumes it has been disconnected).
    • If there is no issue with your vehicle's battery (i.e. you are currently able to start the vehicle), the device is firmly connected and the issue still persists after the above steps, please contact the Heritage Insurance call centre on 0711 076 444 and a representative will assist you.

  16. What is the process to be followed, when I take my vehicle in for service/repairs?

    The telematics device is installed in the vehicle via a connection to the OBD port - this is the same port that is used by the service technician when servicing the vehicle. Please make sure the technician removes the telematics device (if they need to) keeps the device in a safe environment and re-installs the device back into the vehicle after the service is done.


  17. Can I be insured before the device is installed?

    Yes you’re insured from the date and time you specify you want the policy to start from, even if you haven’t had the device fitted.


  18. If I was involved in an accident and the device was damaged, would I have to pay for another device?

    The device is fitted out of sight so it’s unlikely that it would be damaged in an accident. However, if the device was damaged then the cost would be covered by the insurance as a part of the repair cost so that you can continue to enjoy your Auto correct insurance policy.


Download Auto Correct Conversion Form

Eligibility



  1. Who is eligible for Auto Correct?

    To be eligible for Auto Correct, you need to own a private car, insured on Comprehensive cover with all the insurance premiums fully paid.


  2. Can I convert midway through my policy period?

    Yes, you can convert to Auto Correct in the middle of your policy term.



Telematics and Auto Correct Motor Insurance



  1. What is telematics?

    It is a branch of information technology that deals with the transmission of computerised information over long distances. Vehicle telematics is the application of such systems to road vehicles using a wide range of telematics devices and mobile phone technology.



Download Auto Correct Conversion Form

How to use the Auto Correct portal



  1. Can I share my driving feedback with someone else?

    Yes, you can share your driving feedback with anyone after getting the information from your mobile application or after logging in at the portal..


  2. I have forgotten my password for the Insurance Portal or Mobile Application, what do I do?

    If you have forgotten your password for the Mobile Application/Insurance Portal you can reset your password. Log into the Insurance Portal and click on the "Forgot Password" button by the log in screen. You will then be taken to the “forgot password” page.

    Simply insert your username and click "Reset" - A reset code will then be sent through to you by email and SMS. Login back into the Insurance Portal, click on tab "Reset password with code" and fill in the necessary details and reset your password..


  3. What do I do if I have forgotten my username & password for the Insurance Portal and the Mobile App?

    If you have forgotten you username and password, please make contact with Heritage Insurance call centre on 0711 076 444 and a representative will assist you.


  4. How long does it take to see my scores after installation?

    When the telematics device is installed for the first time, the system does need some time (approx. 48 hours after installation) to calculate your initial score. Thereafter, your score is adjusted and re-calculated once a day, every day. If you are still experiencing issues with not seeing a score on the Insurance Portal or Mobile Application (after the initial 48 hours) then contact Heritage Insurance call centre on 0711 076 444.


  5. What happens when I drive in an area with poor network connections?

    WThe telematics device installed in your vehicle sends all driving data via the GSM network. If the vehicle enters an area that has poor GSM signal (for example, underground parking), the telematics device is sometimes not able to send the driving data until the vehicle is driven again and exits the area with poor GSM coverage. The telematics device is designed to keep a record of these trips and location data and will send this data as soon as the vehicle has driven into an area with a good GSM signal.

    These trips and updated location data will show on the mobile application and insurance portal soon after the data has been sent. If you are still experiencing issues with data not updating on the Portal or Mobile Application for some time (even though the vehicle is being driven regularly) then please contact Heritage Insurance call centre on 0711 076 444 and a representative will assist you.




Download Auto Correct Conversion Form

Data use, protection and sharing
 


 

  1. How confidential is the data collected and who can the data be shared with?
    The data collected is confidential and access is limited to only the staff administering the product and to the extent that they are discharging the activities. Access logs are monitored to ensure compliance. Staff have signed confidentiality agreements with clear disciplinary procedures in the event of non-compliance.
    Data cannot be shared with any authority unless it is through a court order.
     
  2. Do I have access to the information collected by the telematics device?
    On enrolling for our telematics insurance policy, you will download the Auto Correct Mobile Application which will provide you with a dash board showing a summary of the following among others:
    i.    Vehicle location
    ii.    Number of trips made
    iii.    Your score for the last 7 days, 30 days and one year
    iv.    Driving exceptions such as harsh braking or acceleration
    v.    Tips on how to improve your driving based on your driving exceptions
     
  3. How is my data protected?
    We will not release your data to the police or to any civil authorities, unless we are required to do so by law or a court order.

Reward Program



  1. What is Auto Correct reward program?

    This is a points based loyalty program that rewards you for safe driving. The points awarded are based on your driving patterns, and these points can be redeemed for an exciting choice of reward options guided by your preferences.


  2. How do I join Heritage program?

    All customers who have effected an Auto Correct insurance policy are automatically eligible.


  3. How do I know the value of my points?

    The value of your points is available on the Auto Correct mobile app and is updated on a weekly basis

    For Safaricom subscribers, you can also dial *415*415# to get the current value of your points.


  4. How do I redeem my points?

    For Safaricom subscribers, dial *415*415# to get the current value of your points.
    For other subscribers, please email autocorrect@heritage.co.ke for further assistance.


  5. Where can I redeem the loyalty points?
    • ArtCaffe
    • Text Book Centre
    • Bata
    • Healthy U
    • Carnivore & Roast
    • Urban Gourmet Burger and
    • Chandarana Supermarkets

    Additional outlets will be added over time.


  6. Can I earn points on other products offered by Heritage Insurance?

    Not at the moment. For now, it is only the Auto Correct insurance product that is on a reward program.


  7. Can I redeem my loyalty points for cash?

    No.


  8. Can I transfer my loyalty points to someone else?

    No. Loyalty points are not transferrable.


  9. Do the loyalty points or redeemed vouchers expire?

    The loyalty points expire three months after the end of your policy period. Once a voucher is issued/redeemed, it expires after six months.


  10. Can I carry forward loyalty points to the next policy period?

    No. The points from one policy period cannot be carried forward to the next policy period.


  11. If I have more questions, who can I contact?

    Please direct all your questions to 0711 076 444 or send an email to Autocorrect@heritage.co.ke




Download Auto Correct Conversion Form

General questions



  1. Are there mileage restrictions on this policy?

    No.


  2. What should I do in event of an accident?

    In the event of an accident, please call the Heritage Call Centre on 0711 076 444. You may also report the accident through your broker or agent.


  3. Who do I contact for any queries/issues with my policy or the Telematics device?

    For any and all queries please call the Heritage Insurance Company call centre number 0711 076 444 and a representative will assist you.



Premium Cashback



  1. What is premium cashback?

    This is a proportion of premium paid that is given back to the client in form of cash for safe driving.


  2. How do I enjoy premium cashback?

    The premium cashback will apply at the end of the policy period, up to a maximum of 15% of the base annual premium paid. This will be subject to the following:


    a) There has been no claim by the insured on the vehicle for 12 months from the policy anniversary date.
    b) The insured has maintained an average driving score for the year as follows:


    Score

    Premium Cashback

    95 and above

    15%

    Between 90 and 94

    10%


  3. Can I enjoy premium cashback if I convert mid-way through my existing policy?

    The premium discount will only apply for customers who have been on Auto Correct for a full year from the policy anniversary date. You can however, enjoy premium cashback in your subsequent policy periods after your next policy renewal.


  4. When is the premium cashback paid?

    The premium cashback will be paid within 30 days of the end of your policy period.


  5. How will the premium cashback paid?

    The premium cashback will be paid through a bank transfer or mobile money transfer.



Data use, protection and sharing



  1. What is my driving data used for?

    Heritage has introduced this technology in order to potentially reduce the cost of Insurance and help make our roads safer. The information we collect is used for:

    • Assessing your potential cashback at the end of your policy period
    • Awarding loyalty points on the basis of how you drive
    • Managing your claims after an accident


  2. How confidential is the data collected and who can the data be shared with?

    The data collected is held with the highest confidence and access is limited to only the service staff administering the product and to the extent that they are discharging the activities specified in (a) above. Access logs are monitored to ensure compliance. Staff has signed confidentiality documents with clear disciplinary procedure in the event of non-compliance.
    Data cannot be shared with any authority unless it is through a court order.


  3. Do I have access to the information collected by the telematics device?

    On enrolling for our telematics insurance policy, you will download the Auto Correct Mobile Application which will provide you with a dash board showing a summary of the following among others:

    • Number of trips made
    • Your score for the last 7 days, 30 days and one year
    • Driving exceptions such as harsh braking, cornering or acceleration
    • Tips on how to improve your driving based on your driving exceptions
    • Vehicle location


  4. How is my data protected?

    • We will not release your data to the police or to any civil authorities, unless we suspect fraud or attempted fraud, or if we are required to do so by law or a court order.
    • We will not be using your driving data as a 'speed camera'.
    • We will use the data to help us identify if another driver is making a false claim against you.
    • We will use the data to help us verify the details of your claim.


Enrolling



  1. How do I get an Auto Correct insurance policy?
    • SMS “Auto Correct” to ‘22922’ or;
    • Submit your details on autocorrect.heritageinsurance.co.ke or;
    • Visit Liberty House, Ground Floor or;
    • Call 0711 076 444 or;
    • Email Autocorrect@heritage.co.ke or;
    • Contact your agent or broker

    A customer service representative will guide you through the process of enrolment and discuss the premium payment options.




Download Auto Correct Conversion Form

  • drive well
    and be rewarded

  • experience a
    smoother claim process

  • good drivers
    pay less

Telematics
Insurance

With a telematics insurance policy, you will get a customised dashboard that helps you trace your journey and receive feedback on your driving style. The device is able to capture a lot of data that is useful to both the insurance company and the driver.

Learn more

Auto-Correct
Reward Program

This is a points based loyalty program that rewards you for good driving.  The points awarded are based on how you drive. These points can be redeemed for an exciting choice of reward options guided by your preferences.

Learn more