Snapshot Road Test Terms and Conditions

Last Updated: July 21, 2020

Terms and conditions

Your participation in Snapshot Road Test (a trial of our Snapshot auto insurance program) and use of the Snapshot mobile application (the "App") is expressly conditioned on your acceptance of these terms and conditions. If you do not agree with any part of these terms and conditions, you should not participate in Snapshot Road Test.

The Progressive Group of Insurance Companies (Progressive) reserves the right to modify the terms and conditions at any time. Modifications to these Terms and Conditions can be viewed at progressive.com/support/legal/snapshot-road-test-terms-conditions/. Continued participation in Snapshot Road Test by you will constitute your acceptance of any revisions to these terms and conditions. Please check this page regularly.

About Snapshot Road Test

Snapshot Road Test is a free, voluntary trial of Snapshot, which rewards safe driving should you become a Progressive policyholder. To participate in the Snapshot Road Test program, you agree to download the App, complete the enrollment process, and keep the App enabled while driving until notified by Progressive that data collection is complete. At the end of the data collection period, you can get a Progressive quote and we will show you a personalized auto insurance rate based on your actual driving habits, like how, how much and when you drive. In addition to your driving habits, other information provided by you or with your consent may also be used in determining your personalized auto insurance rate.

You will then have up to six months to purchase an insurance policy with us and receive the Snapshot rate.

Snapshot Road Test is not an insurance policy and does not provide insurance coverage. You must obtain and maintain insurance coverage from a licensed insurance carrier while enrolled in Snapshot Road Test. Participation in Snapshot Road Test does not amend, modify, or supplement any insurance policy.

The Snapshot Mobile App

Enrollment. Enrollment in Snapshot Road Test will occur upon completion of the following steps:

  • You download the Snapshot Road Test app to your iPhone® or Android smartphone
  • You complete the enrollment process
  • You accept these Terms and Conditions for participating in the Snapshot program.

Getting the App. You can download the Snapshot mobile App from the Apple® App Store or Google Play. You do not need to download the standard Progressive app to participate in Snapshot Road Test.

Data collected. Once downloaded and enrolled, the App will run in the background and collect driving and phone sensor data ("Snapshot Data"), which will be uploaded to Progressive and available for review through the App. Snapshot Data includes vehicle speed and location using GPS, time information, phone usage, and data from the phone's sensors. Other information, such as trip duration, trip regularity (taking the same routes on a regular basis), and rates of acceleration and braking, is derived from speed, location, and time information. Location information may be used for underwriting purposes. Where you drive is not used in determining your personalized rate. Phone and App analytics information is also collected, as described in the Snapshot Privacy Statement, located at progressive.com/auto/snapshot-privacy-statement/.

Collection of your Snapshot Data will begin on your first contact date after App enrollment is successfully completed.

Pausing. You will be able to "pause" monitoring in the event of being out of the country or another reason you will not be driving for a limited period of time. Once the pause time period has ended, data collection will automatically restart.

Trip Categorization. The App categorizes whether you are a driver or passenger, and mode of transportation (for example, car vs. bicycle) for each recorded trip. The ability to change how a trip is categorized will be available for a limited time after the trip is displayed.

Usage Requirements. If the total time the App collects data from a participating smartphone is insufficient for Progressive to make a reasonable determination of your driving behavior, you may be removed from the Snapshot Road Test program.

Technical issues with the App, or data quality or data transmission issues, may prevent us from providing a personalized rate based on Snapshot Data.

Safe Use of the Application. When using the App, please ensure that you:

  • Obey all traffic laws, including any laws that restrict the use of mobile devices while driving;
  • Use the App only when it is safe to do so and when it will not create any unnecessary distraction; and
  • Do not use the App for any illegal, hazardous, or unauthorized purposes, or in a manner that is not consistent with these Terms of Use.

Ownership, License. The Snapshot Road Test App is the property of Progressive and its service provider, and is provided for each vehicle you enroll for participation in Snapshot. You are hereby granted a fully paid, nonexclusive, non-sublicensable, non-transferable, time-limited, revocable license to use the App subject to these Terms of Use. Progressive and its service provider retain all right, title, and interest in and to the Snapshot mobile App. You may not reverse engineer, disassemble, decompile, alter, duplicate, translate, make copies, or create derivative works from the App, except to the extent allowed under applicable law. If applicable law permits such activities, any information discovered as a result of these activities must be promptly disclosed to Progressive and is deemed to be the confidential and proprietary information of Progressive and its service provider.

The Snapshot mobile App contains certain third party software licensed under Open Source licenses. See the App's End User License Agreement for the applicable notices and licenses relevant to that software.

Deleting the App. Once monitoring is complete and we have enough Snapshot Data, we will notify you and you can delete the App from your smartphone. If the App is deleted prior to when we notify you, you may be opted out of the Snapshot Road Test program.

Acknowledgement/Vehicle owner consent

By participating in Snapshot Road Test, you represent that you have the consent of each Snapshot Road Test participant to (a) provide information collected by the smartphone to us, and (b) permit us to retain and use the information as described in these terms and conditions. Once the Snapshot Data is sent to us, the recorded information will remain on the smartphone for a limited time for viewing, and then be deleted. Progressive will retain information collected or derived from the device as required by our record retention policies.

Snapshot Data may be useful in determining the cause of an automobile accident. If you're in an accident, you may have a legal obligation to preserve the information on your phone. This information may be sought by opposing parties in a civil lawsuit or by police when investigating the cause of an accident, or we may be legally obligated to provide such information in response to a subpoena or as otherwise required by law.

The App temporarily stores Snapshot Data on your smartphone, and then uploads it for processing by Progressive. Transmission of Snapshot Data uses a portion of data on your cell phone plan. The online connection required to use the App, and any associated charges (e.g., mobile data expenses) incurred by your use of the App, are your exclusive responsibility and made solely at your expense.

For most smartphones, battery consumption is negligible when not collecting Snapshot Data. When driving, battery consumption is comparable to other driving and navigation apps. If the phone's battery power is low, the App will reduce the data collected to conserve energy. Care should be taken to charge the battery while driving if you take longer car trips.

Snapshot Data

Privacy. We're committed to protecting your privacy and earning your trust, and understand you may have questions about how we use the Snapshot Data we collect. In addition to our commitment to you in our Privacy & Security Policy at progressive.com we explain what we will and won't do with the Snapshot Data in our Snapshot Privacy Statement located at progressive.com/support/legal/snapshot-privacy-statement/.

Snapshot Road Test Results. After collecting your Snapshot Data for the monitoring period, we will calculate a driving score based on your driving results. Once you get a Progressive quote, we will use this score to determine a personalized rate on a going-forward basis should you purchase a Progressive policy. Your driving score will remain the same for each renewal, until such time as Progressive, in its sole discretion, elects to collect additional Snapshot Data to re-evaluate the driving score or you choose to re-enroll in Snapshot and provide sufficient Snapshot Data to recalculate your driving score.

In some cases, the Snapshot program will affect the amount of your Paid in Full or EFT discount savings.

For more specifics on how Snapshot is priced in your state, please visit progressive.com/snapshot-details.

Communications

We will periodically send you reminders and other information through the App, by email and/or phone while you're participating in Snapshot Road Test.

Ending your enrollment in Snapshot Road Test

You may end your enrollment in the Snapshot Road Test at any time.

Your Representations

You represent and agree that:

  • You are solely responsible for any data charges resulting from your use of the App;
  • The App is intended for use by users who are of the legal age required by your state to hold a driver's license; and in any case, that you are at least 13 years old;
  • You are not on any U.S. Government list of prohibited or restricted parties.

Disclaimer / Limitation of Liability

YOU UNDERSTAND THAT THE SNAPSHOT MOBILE APP, INCLUDING OPEN SOURCE SOFTWARE INCORPORATED THEREIN, IS, TO THE FULLEST EXTENT PERMITTED BY LAW, BEING PROVIDED TO YOU "AS IS," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NONINFRINGEMENT. YOU AGREE THAT WITH REGARD TO YOUR USE OF THE APP THAT, TO THE FULLEST EXTENT PERMITTED BY LAW, PROGRESSIVE SHALL NOT BE LIABLE FOR ANY INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, PUNITIVE OR INDIRECT DAMAGES OF ANY NATURE, WHETHER SUCH LIABILITY IS ASSERTED ON THE BASIS OF CONTRACT, TORT (INCLUDING NEGLIGENCE OR STRICT LIABILITY) OR OTHERWISE, EVEN IF IT HAS BEEN WARNED OF THE POSSIBILITY OF SUCH DAMAGES. TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE AUTHORS OR COPYRIGHT HOLDERS OF OPEN SOURCE CODE USED IN THE APP BE LIABLE FOR ANY CLAIM, DAMAGES, OR OTHER LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT, OR OTHERWISE, ARISING FROM, OUT OF, OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE SOFTWARE.

Progressive reserves the right to modify or terminate the Snapshot program at any time and for any reason.

Patent Notice

U.S. Patent Nos. 9,754,424 and 9,916,625, and any additional patents and pending applications claiming priority from these patents, or otherwise related to Progressive's usage-based insurance program, apply to the Snapshot program, device, and/or mobile app.