This document is applicable to all products provided by AiCare Telematics Limited. You should read this alongside the telematics insurance policy provided to you by your Insurance Company. At AiCare, we focus on providing customers with telematics-based motor insurance products. Our primary aim is to act honestly, fairly and professionally and in the customer or potential customer’s best interest. We do not give advice, instead we give customers information they might need to understand its relevance at an appropriate time, so a customer can make an informed decision.
Detailed information about our approach to processing data can be found in our Privacy Notice. You can access a copy at https://aicare.co.ke/data-privacy/
Your telematics policy through AiCare provides several key benefits including:
When you purchase a motor insurance policy from us, you will have a telematics device that is professionally fitted by our third party installation network. The device must be fitted to your vehicle prior to the start of the insurance policy cover period. The device must remain operational for the entire time that your policy is in force, including any subsequent renewal. Neither us nor the insurer can be held responsible for any defects relating to the telematics device e.g., defects in its design, materials, or workmanship. Any warranty provided by the manufacturer of the telematics device does not apply to any item which is part of the insured vehicle and which is used in conjunction with the telematics device (e.g. the battery for the insured vehicle). The maintenance of such items is the responsibility of the policyholder.
If the telematics device is not installed because you fail to attend the appointment, or the vehicle is not as you described when you took out your policy, you will be charged a KeS 5,000 fee for the failed appointment. You can be charged a KeS 5,000 failed appointment fee for the following reasons (this is not an exhaustive list):
Nobody likes having to make a claim. Some of the things to be aware of in order to ensure that the claims process goes smoothly:
There are a a few simple steps you can take to try reduce the amount of any claim against you and to protect yourself against fraudulent claims
The telematics device has GPS/GSM tracking functionality. If your vehicle is stolen, you must activate the tracking facility as follows:
If available, any vehicle location data will be sent to the Police and/or your Insurer directly. If the Police recover the vehicle, they may take it to a secure compound for further investigation and you may be required to pay Police recovery and storage charges. Please obtain a receipt for any such payments and submit as part of your claim.
The collection and transmission of data by the telematics device may occasionally be impaired or interrupted by operational and/or atmospheric conditions, power failures, or other causes, conditions or events beyond our reasonable control or the capabilities of the telematics device. We will rectify any interruptions to the transmission of the data where it is possible for us to do so. If you do not communicate with us when we contact you to rectify any interruptions, this could result in cancellation of your policy.
If we suspect that the device is faulty, we will contact you to repair or replace the telematics device free of charge. If you suspect that the telematics device is defective for any reason you must notify us as soon as possible and we will make arrangements to correct the fault. Neither AiCare Telematics Limited nor our telematics data provider will repair (or replace) any item which is part of the insured vehicle and which is used to enable the operation of the telematics device and/or in conjunction with it (e.g. the vehicle battery) as such items are your responsibility to maintain in good working order. The telematics device uses the battery power supply meaning there will be a nominal voltage drain on your battery even when the vehicle is not being used. AiCare Telematics Limited and/or our telematics data provider, including any subsidiary or third-party subcontractor, cannot be held liable for any losses incurred as a result of a device or service failure.