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.
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.
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:
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.
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.
Here are just a few reasons:
The device records:
The device is also capable of collecting other engine functions such as temperature and engine rotations, but these are not used for telematics insurance
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.
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.
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.
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.
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.
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.
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.
The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.
The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.
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.
Please notify Heritage Insurance call centre on 0711 076 444 immediately for assistance and further guidance
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
Please follow the below steps to resolve the matter:
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.
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.
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.
To be eligible for Auto Correct, you need to own a private car, insured on Comprehensive cover with all the insurance premiums fully paid.
Yes, you can convert to Auto Correct in the middle of your policy term.
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.
Yes, you can share your driving feedback with anyone after getting the information from your mobile application or after logging in at the portal..
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..
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.
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.
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.
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.
All customers who have effected an Auto Correct insurance policy are automatically eligible.
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.
If redeeming at your outlet of choice with a Buy Goods or Paybill No
1. Pick your goods
2. Cashier keys in your goods and prompts you to pay
3. Dial *415*415# and follow the prompts for Till Redemption (Option 1) till the very end
Inform the cashier to check for Mpesa confirmation code from “Tally International”
If redeeming to purchase Kenya Power tokens, make payment for your Kenya Power Postpaid bill or purchase Safaricom airtime for prepaid subscribers :
1. Dial *415*415#
2. Follow the prompts for redemption of your choice
We have expanded our loyalty redemption outlets and you can now redeem directly at your outlet of choice where there is a Buy Good Number or Paybill Number be it a fuel station, bookshop, you can also purchase Kenya Power tokens, make payment for your Kenya Power Postpaid bill or purchase Safaricom airtime for prepaid subscribers
Not at the moment. For now, it is only the Auto Correct insurance product that is on a reward program.
No.
No. Loyalty points are not transferrable.
The loyalty points expire three months after the end of your policy period. Once a voucher is issued/redeemed, it expires after six months.
No. The points from one policy period cannot be carried forward to the next policy period.
Please direct all your questions to 0711 076 444 or send an email to Autocorrect@heritage.co.ke
No.
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.
For any and all queries please call the Heritage Insurance Company call centre number 0711 076 444 and a representative will assist you.
This is a proportion of premium paid that is given back to the client in form of cash for safe driving.
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% |
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.
The premium cashback will be paid within 30 days of the end of your policy period.
The premium cashback will be paid through a bank transfer or mobile money transfer.
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
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.
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
• 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.
A customer service representative will guide you through the process of enrolment and discuss the premium payment options.
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.
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.
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:
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.
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.
Here are just a few reasons:
The device records:
The device is also capable of collecting other engine functions such as temperature and engine rotations, but these are not used for telematics insurance
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.
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.
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.
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.
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.
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.
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.
The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.
The device can be installed immediately the full insurance premium is paid or at the customer’s convenience provided all conditions are met.
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.
Please notify Heritage Insurance call centre on 0711 076 444 immediately for assistance and further guidance
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
Please follow the below steps to resolve the matter:
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.
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.
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.
To be eligible for Auto Correct, you need to own a private car, insured on Comprehensive cover with all the insurance premiums fully paid.
Yes, you can convert to Auto Correct in the middle of your policy term.
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.
Yes, you can share your driving feedback with anyone after getting the information from your mobile application or after logging in at the portal..
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..
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.
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.
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.
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.
All customers who have effected an Auto Correct insurance policy are automatically eligible.
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.
If redeeming at your outlet of choice with a Buy Goods or Paybill No
1. Pick your goods
2. Cashier keys in your goods and prompts you to pay
3. Dial *415*415# and follow the prompts for Till Redemption (Option 1) till the very end
Inform the cashier to check for Mpesa confirmation code from “Tally International”
If redeeming to purchase Kenya Power tokens, make payment for your Kenya Power Postpaid bill or purchase Safaricom airtime for prepaid subscribers :
1. Dial *415*415#
2. Follow the prompts for redemption of your choice
We have expanded our loyalty redemption outlets and you can now redeem directly at your outlet of choice where there is a Buy Good Number or Paybill Number be it a fuel station, bookshop, you can also purchase Kenya Power tokens, make payment for your Kenya Power Postpaid bill or purchase Safaricom airtime for prepaid subscribers
Not at the moment. For now, it is only the Auto Correct insurance product that is on a reward program.
No.
No. Loyalty points are not transferrable.
The loyalty points expire three months after the end of your policy period. Once a voucher is issued/redeemed, it expires after six months.
No. The points from one policy period cannot be carried forward to the next policy period.
Please direct all your questions to 0711 076 444 or send an email to Autocorrect@heritage.co.ke
No.
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.
For any and all queries please call the Heritage Insurance Company call centre number 0711 076 444 and a representative will assist you.
This is a proportion of premium paid that is given back to the client in form of cash for safe driving.
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% |
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.
The premium cashback will be paid within 30 days of the end of your policy period.
The premium cashback will be paid through a bank transfer or mobile money transfer.
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
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.
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
• 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.
A customer service representative will guide you through the process of enrolment and discuss the premium payment options.
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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 moreThis 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.
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