SmartRide – Mobile Program

Frequently Asked Questions

Can a customer’s rate go up with SmartRide?

SmartRide is a discount program! Customers are not surcharged; however, based on the data
collected, their reward may decrease and could go as low as zero.

How does the customer earn a discount?

Customers earn discounts by participating in the program. The SmartRide discount for the mobile app
program is a driver averaging discount that is applied at a vehicle level to the applicable coverages on
the enrolled vehicles. Here’s how it works:

• Participation Discount -- All enrolled vehicles will automatically receive a participation discount for
their first full-term enrollment
• Renewal -- 1st renewal (approximately 6 months after enrollment) -- a SmartRide score may allow
for a deeper discount based on driving data collected
• At the pre-renewal check, which occurs at 50 days prior to renewal (70 days prior to renewal for
MD, MT, VT & WI), Nationwide checks to see if enough data has been collected. If yes, the
customer will see their final discount at the next renewal and data collection is complete.
• If there isn’t enough data collected (customer enrolled mid-term), the customer will continue to
receive the participation discount through the next term. Nationwide will do the pre-renewal
check to see if enough data has now been collected. If yes, the customer will see their final
discount at the next renewal and data collection is complete.
• After the 1st renewal -- the data collection portion of the program is complete
• Customer’s SmartRide score is “locked in” as long as the participating driver(s) remains on the
policy and the policy conditions do not change
• Customers are prompted to uninstall the app at the completion of the program

The discount typically applies to Liability (BI, PD, MP/PIP) & Collision coverages. For specific
coverages the SmartRide discount applies to, refer to your state’s Private Passenger Auto Manual.

Will Nationwide use the data collected in the event of a claim or to cancel a policy?

Nationwide will not use data collected by the device to determine coverage on first party and/or
uninsured/underinsured motorist claims a customer files with Nationwide. However, in certain
situations, Nationwide may be legally required to use data collected by the SmartRide device or app in
the investigation of a claim or accident. This information may be used or discoverable in litigation.

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Copyright© 2018 Nationwide Mutual Insurance Company. All rights reserved
*Refer to state specific differences in Private Passenger Auto Manual
What are customers’ expectations to fully participate in SmartRide?

Customer expectations include:

• Enroll in the SmartRide mobile program and begin receiving the participation discount
• Download and register the app, leave location services on and drive normally
• Uninstall app at conclusion of program
• Customers can view information about their driving behavior and discount earned on their smart
phone

Where are copies of the customer communications located?

Samples of each email and letter can be viewed by clicking on the Customer Communication link on
Fugent. SmartRide related communications to customers are logged in AGCM and Agent Center
Contact History and Follow-ups.

Will customers know the final discount they will be receiving?

During the “Participation Phase” while data is being collected, the customer may view an estimated
discount amount based on their driving behaviors. Upon completion of the program, the customer will
receive notification of their final discount and the Nationwide Smartride App will be updated to reflect
the final discount amount.

How is the data transmitted?

The app collects and transmits trip data using the smartphone’s connectivity. Trip data is compressed
prior to transmission to minimize cellphone data usage.

Does the Nationwide SmartRide App collect location information?

Yes. Location information is used to provide the customer with a map view of their trip data and it helps
the GPS sensors in their phone detect hard brakes and fast accelerations. The location information is
not used for underwriting or rating, including the calculation of the discount. We do not share individual
driver’s location information with other drivers on the policy.

Why are some trips not captured via the Nationwide SmartRide App?

Occasionally, the app will not record enough valid data to register a trip. As a result, the trip will not
show up in the news feed or trip history within the app. This usually happens when a trip is too short to
provide meaningful amounts of data, location based services are disabled on the phone settings, the
cell service is interrupted causing the GPS to lose the signal, or the amount of battery remaining on the
phone is too low.

Will the Nationwide SmartRide App drain the customer’s smartphone battery?

As a rule of thumb, the app uses less than 1% of battery life per hour. When recording trips, it uses 6-
10% per hour of driving, depending on the phone make, model and age. It will use more power if the
screen is left on, so we recommend leaving the screen off. We also recommend using an in-car
charger for longer trips. The “Disable Autostart on Wi-Fi” settings are defaulted to prevent the app from
starting automatically when customer is in a stable location such as a home or office. To prevent the
app from draining the phone’s battery completely, a function is built in to terminate the app when the
battery reaches a certain level (defaulted to 10%).

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Copyright© 2020 Nationwide Mutual Insurance Company. All rights reserved
*Refer to state specific differences in Private Passenger Auto Manual
Will the Nationwide SmartRide App use up data on my phone?

Yes. However, the SmartRide app minimizes cellular data usage by compressing trip data collected
before it’s transmitted. Data usage for trip transmission is comparable to downloading 3 songs per
month. The app will also use cellular data when viewing the dashboard when not connected to Wi-Fi,
which is comparable to visiting a website.

The mobile app will capture trips when our customer is the passenger (not the driver).

The app is 80% accurate identifying the trips. When it occasionally misidentifies a trip, customers can
mark that trip as a passenger, so it doesn’t take it into consideration.

What is the Nationwide’s weekly advice that is displayed on the dashboard?

The weekly advice is Nationwide’s tip to help each driver with distracted driving to practice safe driving
behaviors. The same message will display for each driver every week.

Is it possible to switch from Nationwide SmartRide App to Vehicle Plug-In Device and vice versa
and/or try for a better discount?

Yes, the customer can switch between Nationwide SmartRide App and Vehicle Plug-In Device to
collect trip data. Once the customer switches over, the participation phase starts over and the customer
will receive the participation discount. The customers must choose to participate by the mobile method
or the device method, but not both at the same time on the same policy.

Customers always have the option to re-enroll in the SmartRide program even after we have
established the final discount. The re-enroll starts the program over at the participation discount and
customer can try again for a better discount but they cannot go back to their former discount if they
earn a new lower discount.

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Copyright© 2020 Nationwide Mutual Insurance Company. All rights reserved
*Refer to state specific differences in Private Passenger Auto Manual