Telematics Car Insurance Terms and Conditions


This document is applicable to Motomatic Vehicle Insurance provided by Britam General Insurance Co. (K) Ltd (‘Britam’) in partnership with AiCare Telematics Limited. You should read this alongside the insurance policy document provided to you by Britam. Motomatic Insurance offers 10,000km of driving distance, covered through a Comprehensive Motor Insurance. Upon depletion of the 10,000km covered distance, Policyholders will be required to top up additional driving mileage or be downgraded to a Third Party Cover for the remainder of their time until the policy term lapses.

Data Protection Legislation

Detailed information about our approach to processing data can be found in our Privacy Notice. You can access a copy at .

Main Benefits

Your Motomatic provides several key benefits including:

  • 10,000km of driving distance covered comprehensively.
  • Feedback on your driving via an online dashboard and suggestions on how to improve your driving.
  • Tracking services to help locate your vehicle if it is stolen (see “Theft-Tracking” section).
  • Improved claims handling as telematics data can provide independent, objective evidence in the event of an accident.

Installation of the Telematics Device

When you purchase a Motomatic insurance policy from us, you will have a telematics device that is professionally fitted by Aicare.. 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 Britam nor Aicare 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.

Installation process

  1. Your telematics device will need to be installed by our third-party installation network facilitated by Aicare. The device will be fitted by our approved engineers who are fully competent to carry out the work to the required standard. You will need to make an appointment to have your device installed. You will then be contacted to have your appointment confirmed.
  2. At the time of installing the device, you must provide the installation engineer with proof of identity and ownership of the insured vehicle – specifically photo identity, such as a Driving Licence or ID/Passport, and the Vehicle Registration Document (Log Book). The person who installs the device will also take photos of your car; we will use this
    1. to check it matches the description you gave us;
    2. as an input to the vehicle valuation process; and
    3. as the basis for the vehicle condition at the start of the insurance policy
  3. Once the technician has access to the vehicle, you will be requested to leave the vehicle in their hands for a period not exceeding 1 hour for the device installation and vehicle valuation to take place.
  4. Failure to have the Telematics Device installed and a Valuation conducted on your vehicle within 7 days will lead to cancellation of your cover.

Claims Process

When you are claiming

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:

  • You must tell us about any potential claim within 24 hours of it occurring. We have provided you with a claims section on the Motomatic Web Dashboard from where you can lodge the claim.
  • If applicable, and it is safe to do so, please call us from the scene of the accident.
  • Take photographs of any damage to the vehicles involved
  • If your claim is due to theft, attempted theft, malicious damage or vandalism, you should also notify the Police and obtain a police occurrence book reference number (OB number).
  • Please ensure that (where possible) your vehicle is locked and the keys are in a safe place.

When someone makes a claim against you

There are a few simple steps you can take to try reduce the amount of any claim against you and to protect yourself against fraudulent claims

  1. Do not admit fault
  2. Make sure to take the other persons details including:
    • Their name, address and contact number
    • Their vehicle registration number and its make and model
    • Their insurers’s name and policy number
  3. Take photos of:
    • Any damage to their vehicle
    • Any damage to your own vehicle
    • The scene of the accident, as long as it’s safe to do so
  4. Make note of:
    • Any injuries to anyone involved
    • The number of passengers in the other vehicle
    • The name, address and contact number of any witnesses
    • The name and contact number of any police officer who attends the scene of the accident
    • Any unusual behaviour from the other person and the direction they take when they leave the scene

Theft Tracking

The telematics device has GPS/GSM tracking functionality. If your vehicle is stolen, you must activate the tracking facility as follows:

  1. report the theft to the Police and obtain a Police Occurrence Book (OB) number
  2. contact Britam to report the claim.

If available, any vehicle location data will be sent to the Police and/or Britam 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.

Interruptions to the Collection of Data

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[1]. We will rectify any interruptions to the transmission of the data where it is possible for us to do so. We will try to get in touch with you within 7 days, if you do not communicate with us when we contact you during this period to rectify any interruptions, this could result in cancellation of your policy.

Faulty Telematics Device

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 Britam General Insurance nor AiCare Telematics Limited 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. Britam General Insurance, 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.

Please note that the Britam Motor Insurance Policy Document will apply.