These Novo Safety Program Terms and Conditions (the “Terms”), together with the Novo Insurance Privacy Policy, Telematics Policy, and Terms of Use shall govern participation in the Novo Safety program by you (“You” or “Your”) and drivers of your vehicle(s) (“Participants”) for the vehicles which are enrolled in the Program (as defined below). Depending on your vehicle's eligibility, the Novo Safety Program utilizes either in-car embedded technology or the mobile application to collect and analyze driving data, assigning a safety score based on driving behavior which is then analyzed to assess crash risk and assign a safety score based on how You and Your Participants drive. The safety score is used then, among other factors, to determine Your insurance premium (the “Novo Safety Program” or “Program”). Please read the following terms and conditions carefully. By participating in the Novo Safety Program, You agree to be bound by the terms and conditions contained in these Terms. If You do not agree to these terms and conditions, then You are not entitled to participate in the Program. Novo Insurance, LLC (“Novo”) reserves the right to amend, waive, modify or supplement these Terms at any time. If we significantly change these Terms, we will inform You of such change. The current version of these Terms is available here. Your continued participation in the Program will constitute Your acceptance of the modified terms and conditions.

The Program allows You to potentially save money on Your insurance premium based on Your and Participant’s actual driving habits. Depending on the eligibility of your vehicle, the Program utilizes either in-car embedded technology or a mobile application to collect and analyze telematics data. Eligible vehicles that meet the Program’s requirements may participate using in-car technology, which collects data directly from the vehicle’s sensors. For vehicles not eligible for in-car technology, participation may occur through the mobile application, which gathers data from mobile device sensors in conjunction with vehicle data retrieved via 3rd Party platforms like Smartcar. Regardless of the method used, the Program collects and analyzes data to assess crash risk and assign a safety score based on driving behavior. Please be aware that a safety score is assigned on a per vehicle basis and not on a per driver basis. Upon enrollment in the Novo Safety Program You will receive either (i) an enrollment score, if there is insufficient telematics data available to determine your safety score; or (ii) a safety score, if there is an adequate amount of telematics data available to determine your safety score. Once a telematics-based safety score is established, it will be used to calculate the premium applicable for the upcoming billing month. The enrollment score or safety score assigned upon joining the Program (as applicable) will be used to determine your policy premium for the first two months. At the end of your first month in the Program, the vehicle monthly safety score will be determined, and this score will be used to determine your premium for month three of Program participation. Similarly, at the end of your second month in the Program, the vehicle monthly safety score from month two in the Program will be used to determine your premium for month four of Program participation. This same methodology will also be used for months five and six of Program participation. The Program’s combination of advanced telematics technology, whether in-car or mobile, ensures accurate data collection, fair scoring, and a clear linkage between driving behavior and insurance premiums. Please carefully review the following terms and conditions to fully understand how the Program operates, its requirements, and how your participation can impact your insurance premiums.

During Your participation in the Program we will provide You with actionable insights and functional communications into Your driving behavior. You will be able to review your driving behavior and receive tips on improving Your safety score.

The Program is open to Novo policyholders at any time during the term of the policy.

To participate in the Program, You must:

(a) Have the approved embedded data collection and communications technology installed in the vehicle(s) covered on Your insurance policy.

(b) Accept these Terms and the Privacy Policy, Telematics Policy, and Terms of Use;

(c) Provide Novo with a valid email address;

(d) Install the company designated mobile application;

(e) Meet the minimum Program vehicle and technical requirements as described here in

You must drive a minimum of five (5) trips and fifty (50) miles in a evaluation period, generally thirty (30) days, in order to meet the minimum data requirements for the connected vehicle(s) in the Program (the “Minimum Scoring Requirement”). For the first two (2) months of Program participation, the policy rate will be determined using either (i) an enrollment score, if there is insufficient telematics data available to determine your safety score while purchasing the policy; or (ii) a safety score, if there is an adequate amount of telematics data available to determine your safety score. From the third month of Your participation in the Program onwards, Your monthly policy rate will be based on Your safety score during a prior Program participation period. For example, your policy rate for the third month in the Program, will be based on your safety score calculated during the first month of Program Participation and your policy rate for the fourth month in the Program, will be based on your safety score calculated during the second month of Program Participation. Your policy rate is calculated using this methodology so Novo can provide you with thirty (30) days’ advance notice of changes in your monthly policy rate. In order to remain active in the Program, you must drive the enrolled connected vehicle(s) to meet the Minimum Scoring Requirement. If you do not fulfill the Minimum Scoring Requirement, Your policy rate will be adjusted.

Your renewal premium will be calculated in the same manner as your initial policy premium at Program enrollment is calculated, except that your most current safety score will be utilized to adjust your premium on a monthly basis.

If a vehicle is added or replaced during a policy term, the vehicle will be assigned the enrollment score until the safety score is established and communicated to you with at least thirty (30) days’ advance notice.

The Program is offered on an optional “opt in” basis and You may discontinue Your participation in the Program at any time, but please be aware that discontinuing Your participation may result in an adjustment to Your policy premium. Please see further information in Section 6 below on how to discontinue Your participation in the Program.

When You elect to participate in the Program, You agree to:

(a) KKeep the approved embedded data collection and communications technology or mobile application associated with your connected vehicle(s) active and in good working order for the duration of your participation in the Program. This includes ensuring that all required permissions and connectivity settings remain enabled to allow the uninterrupted collection and transmission of telematics data.

(b) Preserve all driving data collected through the Program in the event of an accident, as such data may be subject to lawful requests or subpoenas. This data could be required by your insurance carrier, their legal representatives, other parties involved in the accident, or their respective insurers and legal representatives for investigation or litigation purposes.

If You do not initiate collection of Data (as defined in Section 5 below) via the approved embedded data collection and communications technology or mobile application following Program enrollment, You will be assigned a “non-fulfillment” score and Your connected vehicle(s) premium(s) will be adjusted beginning in month 3 of your policy. The Program requires consistent and valid data collection, which relies on properly functioning in-car telematics systems or mobile sensors and adequate data transmission to maintain eligibility for discounts and ensure accurate pricing.

Wireless network connections may not be available in all geographical areas. Consequently, data collection, quality, and transmission issues may prevent Novo from obtaining sufficient information to price your policy based on your driving behavior. For vehicles utilizing mobile sensors, the system’s ability to validate trips and accurately calculate mileage depends on consistent connectivity and appropriate use of the mobile application. In such cases, the Program may rely on default scores or adjust premiums based on the lack of sufficient telematics data.

Before and during your participation in the Program, data will be collected to support its functionality, including but not limited to the following categories of data related to you, the Primary Named Insured ("PNI") driver, and/or any guest or non-PNI drivers which together constitute a non-exhaustive representation of the Data used in the Program (the below is collectively referred to as “Data”):

• Contact and identification information, such as: name, surname, address, unique personal identifiers, email address, account username and password, telephone number, insurance policy number, account name, non-PNI drivers contact data (e.g., email), social security number, signature, gender, driver's license number, physical characteristics, consumer status, and other similar identifiers. 

• Driving and claims history, including information about any prior accidents or insurance claims. 

• Vehicle information, such as a vehicle identification number (VIN), plate number, odometer, model, year of manufacture, and/or other relevant vehicle details, might be collected to determine the vehicle's eligibility for participation in the Novo Safety Program. This data shall be necessary to validate compatibility with the Program's technical requirements, ensure proper enrollment and facilitate the accurate calculation of insurance rates and program benefits.

• Medical information, such as details involving the injuries sustained in a car accident, as well as health insurance information.

• Commercial information about consumer transactions and experiences with us and others, such as payment history, claims, coverage and vehicle changes.

• Mobile app usage and device information, such as: Acceleration, Gyroscope, Motion activity data Status of app permissions, such as location access and activity tracking

• Location data. We may also collect information from their device about their physical location so we can provide services like finding a nearby POI.

• Audio, electronic, visual, or similar information, such as recorded statements, photos of damaged vehicles, videos of accident locations, and calls made to our customer service centers, which may be recorded.

• Ownership data, such as: How many vehicles you own, Primary use, Who owns the car (whether it's you, or your company for example), Who is (or will be) the registered keeper, When the car was bought, Your rough annual mileage;

In addition to collecting data across various categories, we may also derive additional information through analysis and processing of the collected data. This may include insights such as driving patterns, behavioral trends, safety metrics, and other analytics that help assess driving risks and behaviors.

The risk variables are used by Novo to a) derive a safety score and b) estimate annual mileage driven. Your safety scores and estimated annual mileage for each enrolled vehicles will be used to determine the rate that will be applied to Your policy for a monthly period as described in Section 3 above. In the event of a detected crash and to facilitate the claims process, we may utilize relevant data from the categories already collected, such as:

• GPS location coordinates (latitude, longitude, altitude) 

• Impact metrics like vehicle speed 

• Date and time of day

• and driver activity preceding the crash

To analyze the circumstances of the event and facilitate an efficient claims process.     In the event you believe there has been an error in calculating your safety score and/or you believe a false crash event has been detected, you may contact Novo to register a dispute by contacting Novo’s Customer Service Representatives at 1-866-862-7757. 

Participation in the Program is strictly voluntary. You may withdraw from the Program at any time by contacting Novo’s Customer Service Representatives at 1-866-862-7757 or optout@novo.us. In the event that your policy is canceled due to non-payment or other administrative reasons not initiated by You, data collection and monitoring will continue for an additional 30-day continuity period following the policy cancellation date. This ensures that if payment issues or administrative challenges are resolved within this timeframe, your participation in the Program can seamlessly resume without requiring additional steps to reactivate tracking, such as re-consent or re-enrollment. This continuity simplifies the process for reinstating your policy, maintains your eligibility for Program benefits, and ensures uninterrupted access to personalized insurance premiums and driving insights. However, in cases where you explicitly request to opt out of the Program or expressly revoke your consent for telematics data collection, we will immediately cease collecting telematics data from your vehicle and mobile application. By agreeing to these terms, you acknowledge and consent to these provisions, ensuring your telematics data is managed responsibly in alignment with your preferences and applicable laws.

If You “opt out” of the Program, You will be assigned a) a “non-fulfillment” score or b) Your last established score for insurance pricing on Your current and/or renewal policies from Novo and may have Your insurance rate adjusted.

Novo reserves the right to amend, waive, modify, or supplement the terms of the Program at any time for any reason. If Novo significantly changes the Program, we will inform You of such change.

Novo retains the right to update our application of safety scoring criteria and our interpretation of the safety score over time based on factors Novo files with Your state’s department of insurance. These updated scoring criteria will be used to make underwriting decisions and provide Your insurance rate at renewal. Additionally, Novo reserves the right to expand Program capabilities to include new data sources, updated vehicle eligibility rules, and enhancements to Program features, including compatibility with additional telematics platforms or vehicles.

The Program is designed to encourage You to drive safely. Therefore, please do not interact with the embedded data collection and communications technology or mobile application while Your vehicle is in motion. Additionally, ensure that all drivers associated with vehicles enrolled in the Program comply with traffic laws and regulations. Participants are reminded that the Program collects telematics data to assess driving habits, including hard braking, excessive speed, and acceleration. Safe driving practices contribute to a better safety score, which may positively impact Your insurance premium. By driving responsibly, You and other drivers associated with Your policy can maximize the benefits of the Program.

During Your participation in the Program, Novo may send You Program information and/or reminders via the embedded data collection and communications technology or by email. For vehicles enrolled in the Novo Safety Program, Novo may also provide tailored insights and feedback through the Novo mobile application, designed to help improve driving habits and enhance safety.If at any time You have questions or need assistance, You may contact Novo’s customer support team through the channels provided.

Protecting Your privacy is core priority for Novo to us. Novo takes our obligation to safeguard and secure Your personal information very seriously. Along with our technology partners, we follow strict data security and privacy protocols to protect Your information. The information collected under the Program is used to provide insights, calculate safety scores, assess crash risks, and determine insurance premiums. Data may also be used to facilitate claims processing and improve the Program's features. Novo will not disclose Your information except as described herein and as described in the Privacy Policy and Telematics Policy. For detailed information on how Novo collects, uses, and protects Your data, refer to the Privacy Policy and Telematics Policy. If You have questions regarding Your privacy, please contact Novo at privacy@novo.us.