LittleBox Pod Guide

In the event of an incident please call us immediately so we can help. 0333 220 2033
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Contents
2 Introduction
2 Additional definitions
3 Delivery and Installation
4 Dealing with device faults
4 Sending us your driving data
6 Your driving score feedback
6 Driving Score Cancellation – Poor Score
6 Accuracy of data/Tampering with your device
7 Accuracy and validation of your policy details
7 Labelling your trip
7 Claims
8 Disposing your LittleBox Pod
8 Cancellation of your insurance policy
8 Our cancellation rights
9 Your data and privacy
10 Other Drivers
10 Third Parties
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Introduction
This guide sums up the key features and requirements of your LittleBox Pod policy, including your LittleBox Pod, so
you can understand how it all works.

The following terms and conditions are in addition to those in ‘Your Car Insurance Guide’, available at www.admiral.
com, and must be read in conjunction with the policy documentation enclosed in your welcome/renewal pack.

For details on the arrangement of your policy please see “Your Car insurance Guide” & “Your Agreement with
EUI Limited”. Cambridge Mobile Telematics will provide the device and services including data associated with the
LittleBox Pod.

By purchasing this policy you agree to:

y Install a LittleBox Pod in your vehicle

y Download the Admiral app to your compatible phone

y Use the LittleBox Pod and Admiral app for the duration of your policy

y Follow the terms and conditions outlined in this booklet and ’Your Car Insurance Guide’.

Additional definitions
As well as those stated in ‘Your Car Insurance Guide’, please see below the additional Telematics definitions.

Compatible phone A smartphone used to link to your LittleBox Pod

LittleBox Pod/ Electronic on-board equipment which records and transmits vehicle usage data to us
Telematics unit and which is fitted to your vehicle.

Cambridge Mobile The provider of the device and services including data associated with the LittleBox Pod.
Telematics (CMT)
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Delivery and Installation

Delivery
Following the purchase of your policy, you agree to install the LittleBox Pod within 15 days of the date we dispatch
your device. We will send your LittleBox Pod to you by recorded delivery which needs to be signed for on delivery. If
delivery is unsuccessful, you will need to rearrange delivery or collect from the delivery depot.

You are insured to drive your vehicle from the start date of your insurance policy. You do not need to wait until the
LittleBox Pod is fitted in your vehicle to drive.

Installation

What you need to do

Within the 15-day period, you must have the LittleBox Pod fitted. To start using it, you will need to:

1. Download the Admiral app to your compatible phone, this can be found on the Google Play Store or App Store.
2. Once you have downloaded the app, you will need to agree to the app terms and conditions, which can also be
found here:
https://www.admiral.com/admiral-app-terms-and-conditions

3. Follow our step by step guide on how to install and link your LittleBox Pod.
4. Send one trip via the LittleBox Pod by driving your vehicle and ensuring your compatible phone is in the vehicle.

Please follow this and let us know if you have any issues. If you are unable to complete these steps within the 15 days,
your telematics discount will be removed.
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Dealing with device faults

If we suspect the LittleBox Pod to be defective during the term of the insurance policy, we will contact you and make
all reasonable attempts to repair or send a replacement telematics unit free of charge.

If you believe there is an issue, notify us as soon as possible, by contacting our Customer Services Team on
customerservices@admiral.com to enable us to investigate, and if necessary, to repair or (at our option) replace the
telematics unit.

Effects on your vehicle/phone

Your LittleBox Pod is battery powered and doesn’t use any of your vehicle’s power supply.

This product requires use of your compatible phone and there may be a small drain on your battery, even when the
app is not in use. You also need to allow the app access to location data and make sure you keep your Bluetooth on.
More information can be found here: https://www.admiral.com/admiral-app-terms -and-conditions

It is your responsibility to ensure your compatible phone is in good working order and charged. In order to record
your journey, your compatible phone will need at least 20% battery. If your phone goes under 20% power during a
journey, the journey will still be recorded.

Data will be sent to Admiral once journeys are complete and a WIFI connection has been established. You can also
agree to a 4g/5g data transfer within the app. Please note, we are not liable for any network charges.

My App or device isn’t working

In a small number of cases the LittleBox Pod or app may not be compatible with a smartphone due to the operating
system. Any such problems should be reported to us immediately.

If we agree that as a result of these issues the telematics unit cannot be installed or used in your vehicle, we will
provide you with the following options:

y offer to revert your policy to a non-telematics Admiral policy, in which case you will lose any discounts or policy
features associated with the LittleBox Pod.

y allow you to cancel the policy and provide a full refund of any premium paid, subject to you not having claimed
under the policy.

Please return the LittleBox Pod to the following freepost address: FREEPOST EUI LTD

Sending us your driving data

Provided your compatible phone is in your vehicle whilst it’s being driven, we will receive your journey
information automatically.

We use the data we receive from your LittleBox Pod to determine your score, driving style/behaviour.

We also collect data which will show us how often you drive, where you drive (including the type of road) and where
you park your car. We use the data we take to verify your information and help us investigate claims

At the beginning of your policy we must receive your first journey data within 15 days of the date we dispatch your
device.

During your policy, we must receive the data for a journey, at least once every 35 days.

If we haven’t received this data, we will contact you and if you are still unable to send us any data, we will cancel your
policy, or remove your discount.
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Sending us your driving data (cont.)

How will this affect my renewal?

At renewal we will use the data from your LittleBox Pod to determine if your renewal price should be discounted
or increased. Your policy will automatically renew unless you opt out, please see General Condition 16 in ‘Your Car
Insurance Guide’. Based on the data from your LittleBox Pod, we reserve the right to not provide you with a renewal
offer.

Your driving score

Once your telematics unit has been installed, just continue to drive as you normally would. We use the LittleBox Pod
data to assess a range of driving behaviours (see below) and turn this into a score based on how safe we interpret your
driving to be.

Your driving score is based on the average score across the monitoring period. We understand that in order to
remain safe on the roads you may need to perform certain manoeuvres that may affect your score, for example an
emergency stop or speeding up to move aside for the emergency services. As this should be rare, it shouldn’t have a
negative effect on your driving score.

Remember, your driving score can be affected by the way other people drive your vehicle. We may use the data we
get from your vehicle at the time of an accident to ensure your vehicle was being driven in accordance with your
policy terms and conditions.

If your compatible phone is in your vehicle it will record the journey and will affect your driving score regardless of
who is driving.

How your score is built

We build your score by monitoring How and When your vehicle is driven.

How you drive

This is what we look at to assess how you drive:

y Use of your phone


We analyse how often your phone is used whilst your vehicle is being driven. Persistent use of your phone while
driving will indicate you may be distracted and negatively impact your score. Please be aware this is also measured
if somebody else is using your phone while you are driving.

y Smoothness


We analyse how sharply you accelerate, brake and take corners in your vehicle. Accelerating or braking harshly will
have a negative impact on your score.

y Speeding

As speed limits are set on each road the speeds at which you drive are reviewed. Speeding can result in a negative
impact on your score.

When you drive

The telematics unit monitors ‘When you drive’ to help build a score in the following ways:

• Time of day

Driving during the hours of 10pm and 4am is considered risker than driving during the day and will have a negative
impact on your score.
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Your driving score feedback

During the driver monitoring period, we use the information from the LittleBox Pod to assess your driving behaviour
and overall vehicle use. We will send you regular feedback updates containing your score.

Once we have enough driving data to build a score, we will send you your first feedback which also contains hints and
tips if improvement in specific scoring areas is needed.

Your current score will be shown and updated in the app on a weekly basis. Your performance will be indicated by
three colours:

Green: Good! You are driving well, there are no areas of concern.

Amber: Average. Improvement may be required in some areas to raise your score.

Red: Poor! You are driving poorly, major improvement is needed.

Driving Score Cancellation – Poor Score

We use the LittleBox Pod driving score and the other data we receive to assess a range of driving behaviours to
determine how safe we interpret your driving to be. At any point during your monitoring period, if your driving
behaviours and driving score indicate your driving is poor, you will fall into our Driving Score Cancellation process and
we will cancel your policy (giving you 7 days’ notice of cancellation in writing).

Accuracy of data/Tampering with your device

Once your LittleBox Pod has been attached to your windscreen, it should not be removed or tampered with in
any way. We may request you supply photographic proof or other reasonable evidence that the LittleBox Pod is
still attached.

The LittleBox Pod and Admiral app also has controls and attack safeguards and will notify us of any unauthorised
interference or attempted interference with the telematics unit. You cannot, nor will you permit any other person
to interfere with the signal that is emitted from the LittleBox Pod, reverse engineer, dismantle, remove components
from, relocate or make any alterations or additions to any part of the LittleBox Pod.

If following an investigation, you or anyone else is proven to have interfered with the:

y LittleBox Pod

y sending of data

y accuracy of data,

you will be required to pay for any costs we, an investigator, or CMT have incurred. Your insurance policy will also be
cancelled and you will be liable for the Hardware charges associated to your policy.

If evidence suggests this was performed deliberately in order to disrupt Admiral’s ability to collect data, we will treat
the matter as fraud. Please refer to General condition 9 In ‘Your car insurance Guide’ for more information.
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Accuracy and validation of your policy details

Our insurance premium is based on the information you declared to us during the quote and purchase process, so it
is important to make accurate declarations to ensure you are covered in the event of an accident or loss. We use the
data from the device to check the accuracy of policy information, and will contact you in the event of any queries,
or if we feel that changes may be required to your policy. If a change is necessary or we need to cancel or void policy
then please refer to ‘Your Agreement With EUI Limited’ for all relevant charges.

In cases of serious misrepresentation, we will cancel or void your policy as set out in General condition 9 and 15 of
‘Your Car Insurance Guide’.

Mileage accuracy
The annual mileage you declare at the start of your policy acts as your mileage limit for the policy term. If your
driving data predicts you will exceed this amount by a significant margin of 25% or more, we will contact you and
update your policy details with a higher mileage limit. This may increase your premium.

Address accuracy
The location of your vehicle is also monitored closely, especially where you park overnight. If your driving data
suggests the address you have declared is not an accurate location compared to where the vehicle is parked the most,
we will contact you and adjust your address details. This may increase your premium.

Labelling your trip

A journey will be recorded whenever your compatible phone is in your vehicle, and the vehicle is moving. There may
be occasions where you are a passenger in your own vehicle. You will have a limited time frame within the app to
change this trip from driver to passenger.

This should only be used to let us know when it is not you driving your vehicle. If we identify that you have
misrepresented your trip, your policy will be cancelled.

Claims
In the event of a claim, we may use your driving data at the time of the accident to ensure your vehicle was being
driven in accordance with your policy terms and conditions. Furthermore, following a claim, all data collected by the
LittleBox Pod may be shared with a third party to aid any claims processes. More details about data sharing can be
found in ‘Your data and privacy’.

Damage to the Telematics device

Whilst your vehicle is insured under your Admiral policy, the telematics unit will also be automatically insured under
the same policy when installed.

If you make a claim under your policy for damage or loss of the telematics unit whilst installed in your vehicle, and
we agree to settle this claim, we will repair or replace the telematics unit subject to your policy terms and conditions.

Rejected claims
If the driving data collected from the telematics unit indicates that you or your named drivers are not driving in
accordance with the terms and conditions of your policy, we will seek to recover any costs we have incurred and all
other policies to which you are connected through EUI Limited will be cancelled or voided.
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Disposing your LittleBox Pod

Once your driver monitoring period is over, or your policy is cancelled, you don’t need to send the LittleBox Pod back
to us. Please dispose of the LittleBox Pod responsibly. You can do this by visiting your nearest recycling centre.

If you do opt to send the telematics unit back to us, you must use your own packaging. Please return the LittleBox
Pod to the following freepost address: FREEPOST EUI LTD.

Cancellation of your insurance policy

Once your policy is cancelled, your LittleBox Pod will continue to record data and you should either revoke location
permissions or delete the app at the point the cover ceases. If you forget to do this, our cancellation safeguard
system will automatically cut off the data collection within 72 hours of cancellation, however data may still be
recorded during this 72 hour period. More information can be found here:

https://www.admiral.com/admiral-app-terms -and-conditions

Our cancellation rights

We can cancel your policy at any time by sending 7 days’ notice in writing to your last known address.

In addition to the cancellation rights laid out in General condition 4 of ‘Your Car Insurance Guide’ we can cancel your
LittleBox Pod policy for these additional reasons:

y you interfere with your LittleBox Pod, or provide us with incorrect information e.g. identifying yourself as the
passenger when you were driving.

y If we have not received any journey data for more than 35 days

y If your driving data shows a poor score your policy may be cancelled
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Your data and privacy

We take your privacy seriously in accordance with the General Data Protection Regulation (GDPR) and any applicable
UK legislation.

We will not sell your driving data to any third parties. We will not release information about your driving data to the
police or other authorities unless either you consent to this, we are required to by law or by an appropriate request
from an authorised authority, or fraud is suspected.

Please see our full Privacy Statement online at https://www.admiral.com/your-privacy-and-security for complete
details of how we protect your privacy and process your data.

We will gather data from your vehicle and your compatible phone/app to enable us to:

y test your telematics unit (e.g. during initial linking)

y provide you with an insurance premium based upon your driving performance

y provide you with any additional optional telematic services that are or may become available, where you agree to
these at purchase or during the lifetime of your policy.

We will only discuss information with the policyholder, named drivers, spouses or parents, as outlined in General
Condition 13 of ‘Your Car Insurance Guide’.

We will likely share your data with the other companies within the Admiral Group. For the purposes of this Privacy
Notice, “Admiral Group” means Admiral Group plc and any company or entity in which Admiral Group plc owns more
than 15% of the issued share capital.

Companies in the Admiral Group shall include, without limitation, EUI Limited, Admiral Insurance Services limited,
Admiral Insurance Company Ltd, Admiral Insurance (Gibraltar) Ltd, Able Insurance Services Ltd, AFSL, and any other
company that is incorporated within the Admiral Group at any time in the future.

Who we are and how we will use your information

EUI Limited and Cambridge Mobile Telematics are joint/co data controllers (as defined in the GDPR) of any personal
data that you supply or that is recorded by the telematics unit.

Admiral, Bell, Diamond, Elephant and Gladiator are all trading names of the data controller EUI Limited (Registered
Number 02686904). EUI Limited is part of Admiral Group plc.

We, EUI Limited, Cambridge Mobile Telematics and any appointed agents and/or service partners, will process your
information in accordance with our respective responsibilities under the GDPR and any applicable UK Regulations and
Legislation. To protect your information captured by the telematics unit; it will be transmitted in a secure format.
From the installation, we will use the telematics unit to capture data from your vehicle relating to the date, time,
speed, location and other associated vehicle information.
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Other Drivers
Other drivers may affect your score. If your compatible phone and LittleBox Pod are both in your vehicle, your
driving score may be affected, regardless of who is driving or using your compatible phone. Please see the following
section “Labelling your trip”, for more information on allocating individual trips.

Third Parties
Telematic data will only be disclosed to other parties in the following circumstances:

y to our agents and subcontractors for operational reasons, including providing the agreed services under the policy

y if we are required by law to disclose the information, such as to our regulators or if we are issued with a
court order

y to Cambridge Mobile Telematics as detailed below

y to the app developers as detailed below

y EUI Limited, Cambridge Mobile Telematics, and those acting for both companies, will use the data captured by the
telematics unit for the purposes of:

y displaying information in the app/transferring data to and from the app

y calculating and charging insurance premiums based upon actual vehicle usage, and compiling and generating
Driving Scores

y controlling your personal data for the purpose of providing you with services relating to the insurance policy. We
will process your information in accordance with our responsibilities under the GDPR and any applicable UK data
protection legislation

y carrying out the delivery, commissioning, activation, return, disconnection, servicing, updating or testing of the
telematics unit

y general research and analysis, mapping purposes, researching and refining techniques for analysing motor
telematics data and the supply of traffic information. In all such circumstances the information will be used
anonymously and will not identify any individual, vehicle user, or the policyholder

y provision of the insurance services under the policy, including management of claims, underwriting and policy
servicing. Data will be used for any underwriting or claims development or investigations that may be required,
and for fraud prevention, detection and investigation purposes.

y your information may also be shared with the relevant insurance and claims databases, in accordance with the
Privacy Policy on https://www.admiral.com/your-privacy-and-security
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