Customer Agreement

Customer Agreement

This Agreement is governed by, and construed under the laws of the State of Hawaii, excluding that body of law applicable to conflicts of law.
DTRIC Insurance Underwriters, Limited
1600 Kapiolani Blvd. Suite 1520, Honolulu, Hawaii 96814

Welcome to the DTRIC Insurance Akamai Rater telematics program. Akamai Rater is a voluntary program designed by DTRIC Insurance Underwriters, Limited (DTRIC) which allows customers to potentially save money based on how and when their vehicle is driven. ENROLLMENT IN THIS PROGRAM IS DEPENDENT ON YOUR ACCEPTANCE OF THIS CUSTOMER AGREEMENT.Please read this important information about your rights, benefits, costs and limitations under this program. Please retain this document in a safe place for your future reference.

Program Acceptance

By entering into this Customer Agreement, you agree that:

  1. You are the legal, authorized owner of the vehicle(s) and have the right to enroll the vehicle(s) in the program;
  2. You will be responsible for the installation and maintenance of the device until it is returned to DTRIC;
  3. You will inform anyone you permit to drive the vehicle(s) about the proper use of this installed device and that DTRIC and/or other third parties will have access to their driving behavior data;
  4. You will ensure that the device(s) is/are not used for fraudulent or abusive purposes or in any way that risks damage to DTRIC or its business or reputation; and
  5. When exiting the program, you will send the device(s) back to DTRIC according to the return instructions and by the specified return date. DTRIC reserves the right to amend, modify, waive, supplement or terminate this Customer Agreement at any time and for any reason.
  6. YOUR ON-GOING USE OF THE AKAMAI RATER TELEMATICS DEVICE INDICATES YOUR ACKNOWLEDGEMENT AND ACCEPTANCE OF THIS CUSTOMER AGREEMENT.

Privacy

Our privacy policy can be viewed at http://dtric.com/privacy/

The Akamai Rater Program

DTRIC created Akamai Rater with two primary objectives in mind: to help drivers save money on insurance, and to help save lives and reduce losses on our roads by providing our customers more information on how and where their vehicles are driven. Participating customers will be given a telematics device that plugs into the data port on vehicles that are model year 1996 or newer and collects vehicle-usage information. Through the use of a telematics device, the program promotes safe driving and rewards safe driving behavior. The device records when, where and how many miles are driven as well as how the vehicle is operated. To maintain enrollment of one or more vehicles in Akamai Rater, customers must accept and complete the follow steps:

Additional Eligibility Requirements

To maintain enrollment of one or more vehicles in Akamai Rater, customers must accept and complete the following steps:

  1. Read and accept the Customer Agreement.
  2. Maintain automobile liability coverage on the enrolled vehicle(s) at all times.
  3. Provide a valid and active email address.
  4. Install device within 20 days of enrolling in Akamai Rater.
    1. If device is not installed within 20 days* of enrolling in Akamai Rater, the insured vehicle will lose the initial Sign-Up Discount, and will not qualify for any additional discount for the duration of the Akamai Rater policy term.

*Exception

If the insured is unable to install and activate the device within 20 days of the initial policy period due to device malfunction or shipping delays on the part of the company, the Sign-Up Discount will continue to apply.

Data Collection

Data collected by the Akamai Rater device(s) will be used to calculate the premium for the enrolled vehicle(s). A premium discount or adjustment may result based on driving performance.

Rate Calculation

The Sign-Up Discount is contingent upon installing the device within 20 days of enrolling in Akamai Rater for each vehicle enrolled. Participants are awarded with a Sign-Up Discount up to 20% on specific and qualifying coverages such as: BI/PD/PIP/Coll, and additional discounts on Comp.  At 90 days we will review your Akamai Rater “Grade” for each vehicle. If the per vehicle Grade yields a higher than 20% discount, we give you the new discount for the balance of the first year on those vehicles that earn it. DTRIC will then use up to 12 months of driving data (on a rolling 12-month calendar basis) to calculate a performance rating to determine a renewal premium. The discount or premium adjustment may vary from one policy term to another based on driving performance.

Technology Fee

Your policy will include a technology fee of $5 per enrolled vehicle, per month, per policy term, added to the policy premium to cover the cost of the wireless carrier and data collection.

Replacing a Vehicle

When deleting or replacing a vehicle, contact DTRIC or your DTRIC independent agent to report the date of change and the new vehicle information (make, model, VIN). You will be advised if the device is incompatible with the new vehicle (based on the current vehicle compatibility list) and if so, the device must be returned and the premium discount will be discontinued effective the date of change.

Deleting a Vehicle

When deleting a vehicle, contact DTRIC or your DTRIC independent agent to report the date of change and the deleting vehicle information (make, model, VIN).  You will provided with the information to return the device.

Disconnect / Reconnect

You can remove the device without penalty prior to taking your vehicle for service. Once your vehicle is back in your possession check to assure the device is reconnected. The device should not be disconnected other than the period for servicing the vehicle. Removal of the device in excess of three times during the policy term or for more than 50 miles will jeopardize your vehicle’s discounting and continued eligibility in the Akamai Rater program.

Switching the Device

Switching the device between vehicles without prior approval is not permitted. The device and Akamai Rater discounts are assigned to a specific VIN at enrollment and cannot be changed without notifying DTRIC. The device is designed to send a VIN mismatch signal when moved to a different vehicle. If you wish to switch vehicles please contact DTRIC or your DTRIC independent agent.

Tampering

You may not tamper with, reverse engineer, alter, modify, disassemble, change, copy or duplicate software or the device(s). When tampering is detected you will be instructed to return the device(s) to DTRIC. You will also be removed from the Akamai Rater program and all discounts will be removed. You may be subject to legal action as a result of the tampering.

Claims

We may, at our discretion, use data collected by the device(s) to investigate any claims related to the vehicle(s). Data from the device(s) and any other device related to the vehicle may be discoverable by third parties and used in accident investigation. DTRIC and its business partners may be legally required to provide data to others or their legal counsel, and you should not expect to retain any level of data privacy or confidentiality.

Disclaimers, Limitations, Exclusions.
DTRIC AND ITS VENDORS AND PARTNERS MAKE NO WARRANTY OF ANY KIND REGARDING THE PRODUCT OR SERVICES WHICH ARE PROVIDED ON AN AS IS BASIS AND EXPRESSLY DISCLAIM ANY REPRESENTATION OR WARRANTY THAT THE PRODUCT OR SERVICES WILL BE ERROR- FREE, SECURE OR UNINTERRUPTED. YOU AGREE THAT DTRIC’S LIABILITY FOR DAMAGES CAUSED BY THE DEVICE SHALL BE LIMITED TO PROPERTY DAMAGE TO THE VEHICLE IN WHICH IT IS INSTALLED. DTRIC AND ITS VENDORS AND PARTNERS WILL NOT BE LIABLE FOR ANY SPECIAL, INCIDENTAL, EXEMPLARY, PUNITIVE AND/OR CONSEQUENTIAL DAMAGES ARISING OUT OF, RELATED TO OR IN CONNECTION WITH THE DEVICE, SERVICES OR THEIR USE. PARTICIPANT AGREES TO FILE ANY LAWSUIT OR OTHER ACTION DIRECTED AGAINST DTRIC, VENDOR PARTNERS, SUBSIDIARIES, AFFILIATES OR PARENT COMPANIES WITHIN ONE (1) YEAR FROM THE DATE OF THE EVENT THAT CAUSED THE LOSS, DAMAGE OR LIABILITY.

Telematics Device

This device was developed specifically for the Akamai Rater program by DTRIC Insurance Underwriters, Limited (DTRIC), Royal State Financial Corporation and its vendors and partners and contains state-of-the-art technology and capability. It is plugged into the OBDII port of most vehicles (excluding hybrids, electric and diesels) made in 1996 or later, and transmits driving data to DTRIC through its authorized vendor via a wireless connection. The Akamai Rater device does come equipped with Global Positioning System (GPS). However, your vehicle location is not tracked or used by DTRIC in any way to calculate or determine your rate. The GPS data provides location information that is reported in your personalized DTRIC Dashboard for your own use and information.

Data Information

Data is uploaded periodically based on trip information. Trip information is one cycle of ON ignition to OFF ignition with upload taking place at the next ON ignition event. Once the data is uploaded, it is no longer available on the device. Data captured includes daily driving data such as (speed, miles, time of day and generalized location); VIN (vehicle identification number); driving events (hard braking, hard acceleration and generalized location); and device connect/disconnect. Data can be viewed within approximately 48 hours at www.Akamai Rater.com after the device has been installed. Keep in mind trip data is not transferred to DTRIC’s vendor until the vehicle is started for the next trip.

Use of Information

DTRIC, its vendors and business partners gathers and combines data from the device for the purpose of servicing your policy, analysis and risk evaluation as well as for premium/rate calculation. A discount or adjustment may be applied to the policy premium based on the accumulated driving data in accordance with the rules and rates on file with the State of Hawaii Department of Commerce and Consumer Affairs, Insurance Division. All data will be disclosed to third parties as required by law or regulation, and may be deemed discoverable by third parties. We may also provide certain information to insurance regulators and business partners as required to support rate or other insurance related filings.

Property of DTRIC

Participants of the Akamai Rater program receive a telematics device from DTRIC upon enrollment in the program. All rights and title to the device and software are retained by DTRIC, Royal State Financial Corporation and its vendors and partners. The software is protected by copyright and other intellectual property laws and is licensed, not sold. You agree that DTRIC and Royal State Financial Corporation own the data gathered by the device.

Cellular or Wireless Service

The device transmits data from the OBDII port to DTRIC through our authorized vendors via a cellular network where it is gathered, combined, analyzed and stored. The service may occasionally be restricted, interrupted or discontinued due to conditions such as, but not limited to device design, network coverage, government regulation or other situations beyond our control.

Ending Participation in Akamai Reader

You can cancel your participation in the Akamai Rater program at any time by notifying DTRIC or your DTRIC independent agent. We will update your policy information and adjust your premium rate accordingly. We will also provide mailing instructions, along with supplies for returning the device to DTRIC, at no postage cost to you. DTRIC reserves the right to charge a non-return fee of $100.00 per device if it is not returned within 30 days of a formal request from DTRIC to return the device. You will receive an email confirmation when your device is returned and received at our distribution center. A vehicle that has been withdrawn may be permitted to re-enter the program but the Sign-Up Discount applies only to the first time the vehicle is enrolled.