SmartRide®

Reference Guide

IMPORTANT NOTE! This guide contains information on both the SmartRide Mobile App program and the Vehicle Plug-in Device program. Please consult your state’s Standard Automobile Manual – to confirm availability and state specifics.

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Table of Contents What is SmartRide? .................................................................................................................................... 3

SmartRide Benefits ..................................................................................................................................... 3

SmartRide Data Collected........................................................................................................................... 4

How Long Is The Program? ........................................................................................................................ 4

How Does The Final Discount Work? ........................................................................................................ 5

What Is The Average SmartRide Discount? ............................................................................................... 5

How Do Members Participate In SmartRide? ............................................................................................ 5

SmartRide Overcoming Objections ............................................................................................................ 6

Nationwide SmartRide App Registration Steps .......................................................................................... 8

Nationwide SmartRide Mobile App – Fingerprinting Stage ...................................................................... 9

Nationwide SmartRide Mobile App Dashboard ....................................................................................... 10

Nationwide SmartRide Mobile App Events ............................................................................................. 11

Nationwide SmartRide App – Remove Trips ........................................................................................... 12

Nationwide SmartRide Mobile App – Reviewing Discounts ................................................................... 13

SmartRide Mobile Overcoming Objections.............................................................................................. 14

Adding Mobile App Program ................................................................................................................... 15

Nationwide SmartRide Vehicle Plug-In Device – Welcome Kit.............................................................. 16

Nationwide SmartRide Vehicle Plug-In Device – Dashboard .................................................................. 17

Nationwide SmartRide Vehicle Plug-In Device – Reviewing Trip Information ...................................... 18

Adding Vehicle Program .......................................................................................................................... 19

Adding SmartRide Discount Using Comparative Raters .......................................................................... 20

Nationwide Pre-Qualified Connected Car (PQCC) Program ................................................................... 21

SmartRide Weekly Summary Emails ....................................................................................................... 22

SmartRide Website Preferences ................................................................................................................ 23

SmartRide Support .................................................................................................................................... 24

SmartRide Reference Materials ................................................................................................................ 24

IMPORTANT NOTE! This guide contains information on both the SmartRide Mobile App program and the Vehicle Plug-in Device program. Please consult your state’s Standard Automobile Manual – to confirm availability and state specifics.

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What is SmartRide? SmartRide (Nationwide’s version of Telematics) is a program that provides a high potential growth opportunity for Nationwide to attract and retain safe drivers. SmartRide helps improve our competitive position, enhance pricing segmentation, increase retention and profitably grow policies. Members can participate by downloading an app to their smart phone or plugging a device into their vehicle, whichever method works best for the member.

SmartRide Benefits

Agent and Company Benefits • Growth – acquire and retain new customers • Attract drivers that want to be rewarded for safe driving behaviors • Improved bind ratio – bind rates improve with SmartRide due to the immediate participation

discount • Members tend to be our preferred profile - multi-line, higher bodily injury limits, and choose

Electronic Funds Transfer (EFT) • Improve retentions rates • Better loss ratios

Customer Benefits • It’s free to participate! We don’t charge member for participating in the program. • Members receive an immediate participation discount just for enrolling in the program. • No surcharges for participating as SmartRide is a discount program and the worse that can happen

is that the member earns a discount less than the participation discount. • Participation is so easy! The member can download an app to their smart phone or install a device

in their vehicle in less than 10 seconds. • Customers have more control of their premium with the potential to earn up to a 40%* discount • SmartRide drivers receive feedback based on their actual driving trends to help them become

safer drivers *Check your state’s Standard Automobile Manual for specifics

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SmartRide Data Collected

1. Mileage – Driving statistics have shown that more mileage driven in a vehicle increases the

chances of being in an accident, regardless of fault. 2. Nighttime Driving (midnight - 5 AM) – Nighttime driving is riskier than daytime driving.

Statistics show that more accidents occur relative to the number of drivers on the road between these hours due to drivers being tired or distracted.

3. Idle Time – Measures the length of time you are stopped in traffic. Driving in heavy traffic flows increases your chances of an accident and is riskier than steadily flowing traffic. NOTE – This will not display until the member has started their trip.

4. Hard Braking and Rapid Accelerations – Analysis shows that drivers with more aggressive behaviors such as a regular pattern of aggressive starts and stops are more likely to have accidents. These are recorded as speed changes of 7.7 miles per second.

How Long Is The Program? The short answer is 4-6 months depending upon the enrollment date. Here is how the program works:

• Member enrolls in the program and begins receiving the participation discount.

• The pre-renewal check occurs at 50 days prior to renewal (70 days prior to renewal for MD, MT & VT).

• During the pre-renewal check, Nationwide verifies if enough data has been collected. A minimum of 85 days (65 days for MD, MT & VT) must be collected.

• If yes, the member will receive a communication with their final discount amount, the program is completed, and the final discount will be applied at the next renewal.

• If no, the member will continue to receive the participation discount throughout the next term. o This usually happens if a member enrolls mid-term. o At the next pre-renewal check, Nationwide verifies if enough data has been collected. o If yes, the member will receive a communication with their final discount amount, the

program is completed, and the final discount will be applied at the next renewal. Example: Policy Dates: February 1 to August 1 Pre-renewal check: June 12 (50 days prior to renewal) Enrollment Date: April 1 Data Collection Days: 72 days

Member would have to participate another term to collect enough data. The next pre-renewal check is December 13 and the final discount would be applied at the February 1st renewal.

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How Does The Final Discount Work?

Once the member has earned the final discount, it will be applied at the next renewal. The SmartRide discount works just like all other discounts and only applies to certain coverages:

• Liability – Bodily Injury, Property Damage, Medical Payments and / or Personal Injury Protection

• Collision Check your state’s Standard Automobile Manual for specifics

What Is The Average SmartRide Discount?

The average Smartride discount is approximately 22% across all states that currently have SmartRide. However, the range of the discount is from 0% - 40%. It is important to set reasonable expectations up front with the members as 10% of the participants receive a 40% discount today.

How Do Members Participate In SmartRide?

At the time of enrollment, SmartRide participants will select which data collection method is right for them. The policy may only have ONE data collection method – Nationwide SmartRide App OR Vehicle Plug-In Device. Additionally, if a customer elects to change their data collection method or try for a better discount, after program completion, they will restart at the Participation Discount and collect new trip data to derive a new earned discount. Nationwide SmartRide Mobile App

Participating drivers download the Nationwide SmartRide app (via App Store or Google Play) on their personal smart phone (iOS/Android). App is available immediately upon enrollment

App needs to run in the background with location services (GPS) turned on to collect trip data to display on the map

Drive normally App collects and wirelessly transmits individuals driving data Drivers may view their own trip data and personalized feedback plus all drivers’ estimated

discounts on the app The final discount is the average of all participating drivers earned discounts that is applied to

all vehicles on the policy o With the Mobile App, the score is earned as long as the driver is on the policy. o This discount is refreshed at every renewal – to account for added or removed drivers as

only drivers on the policy are used in the score averaging.

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SmartRide Vehicle Plug in Device A device that customers self-install, in a compatible vehicle Drive normally The device collects data from enrolled vehicle(s) and wirelessly transmits the data Drivers have access to the SmartRide website that displays driving data for all drivers and

coaching tips to become safer drivers. The website is exclusive to device program participants. The final earned discount, based on vehicle level data, is applied to the enrolled vehicle

lance Comparison

SmartRide Overcoming Objections

I work graveyard shift so drive at night. Someone who drives at night shouldn’t automatically be discouraged from participating in SmartRide. Nighttime driving is 1 of the 4 factors used to calculate the SmartRide discount. Someone who drives at night could still earn a discount that’s higher than the participation discount, if they perform well in the other 3 metrics. I wonder how my data is collected and used. (answer should help with big brother and claims concern) The data is only used for research and analytical purposes, related to the SmartRide program. The data is not sold to 3rd parties for marketing purposes. However, similar to other types of personal data Nationwide may share the data as permitted or required by law pursuant to a subpoena, court order, law enforcement or regulatory inquiry, or some other duly authorized data request. Nationwide and/or you may be legally required to provide the data to others who may use it in an accident investigation and/or litigation. Also, we only keep the data for as long as it’s legally required. I don’t understand how it tracks my driving and why those factors are important. Visit this page to find out what the program measures and why they are important to determine driving behavior: https://www.nationwide.com/smartride.jsp There have been a lot of data breaches in the news and I am concerned about privacy. Nationwide takes data privacy very seriously, and has dedicated resources to ensure personal data is protected. Telematics systems are complicated to install and use. Participation in SmartRide is really simple. Customers have the choice between installing a small device in their vehicle, which takes less than a minute, or downloading and activating a mobile app. Here are some videos: https://www.nationwide.com/smartride.jsp

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Device Mobile App

SmartRide Telematics Device Data Collection Method Customer’s smart phone -

Apple (iOS) or Android operating system required

Enrollment is voluntary. Insured determines which (eligible) vehicles

are enrolled in SmartRide Enrollment

Enrollment is voluntary. Once enrolled, all vehicles must use same

data collection method

1996 and newer, device compatible vehicles are eligible Vehicle Eligibility

All vehicles on the policy are auto enrolled so that all drivers with compatible smart phones may

participate

SmartRide device must be installed in enrolled vehicle within 45 days of

enrollment

Enrollment Validation Period

At least one driver must register the mobile app within 45 days of

enrollment

Typically, one term. Mid-term enrollments may carry into 2nd term.

Vehicles may have different participation phases

Participation Phase

Typically, one term. Mid-term enrollments may carry into 2nd term.

Drivers may have different participation phases

Trip data collected at a vehicle level Trip Data Trip data collected at a driver level. App must be running, with location

services turned on

SmartRide discount is a vehicle level discount. Discount applies to all

enrolled vehicles Discount Level

SmartRide discount applies to ALL vehicles on the policy

GPS is used to map trips. GPS IS NOT used for underwriting or rating

Global Positioning System (GPS)

GPS is used to map trips for driver to view on phone. GPS IS NOT used for

underwriting or rating

A SmartRide score is used to determine SmartRide discount

amount. The discount is applied to applicable coverage on the enrolled

vehicles

Discount Calculation (SmartRide Score)

A SmartRide discount is determined for each driver. Driver discounts are averaged to determine SmartRide

final discount; which applies to applicable coverages on all vehicles

SmartRide score remains on the vehicle as long as policy conditions do

not change Recurring Discount

SmartRide driver score is used in discount (averaging) calculation, for

as long as the driver is on the policy as long as policy conditions do not

change

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Nationwide SmartRide App Registration Steps We have also created two different tools, one for iPhone and one for Android, that are available with the SmartRide training materials that you can download and use to walk your members through the activation process for the Nationwide SmartRide Mobile app.

Download App & Register Accept Terms & Conditions Enter Phone Number & PIN

Activation Code

Enter Email & Password Invite Other Drivers with PIN Registration Successful!

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Nationwide SmartRide Mobile App – Fingerprinting Stage

The fingerprinting stage is when the drivers will interact with the app early in the program to confirm trips. This is a necessary step for the app technology to learn the driving behaviors and patterns of each driver. The app will collect individual driving styles, routes, time of day, etc. which will assist in distinguishing when the driver is driving the vehicle or riding as a passenger. The driver will have to confirm approximately the first 20 trips and 200 miles. In the newsfeed, the member will be prompted that there are trips to confirm when going into the app to review information. The member can confirm trips now or wait until a future time. If the trip is not confirmed by the member within 7 days, the app will assume that the member was the driver on that trip. Each trip that needs to confirmed will show the date and time of the trip with the confirm trip button. Once selecting the trip, there is a map of the trip displayed for the member to recall the trip information and then the member will select either driver or passenger. The estimated discount will not be displayed until the fingerprinting stage is complete.

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Nationwide SmartRide Mobile App Dashboard

The dashboard allows the member to view the information by day, week, month or total view. The member will see their trip information, the estimated discount amount, the program timeline, trips that need to be confirmed, and the discount amounts of other drivers.

The member can click on each event category to find additional information about their driving behaviors. Once selected, each category will have the following information:

• Green, Yellow and Red range for each category

• Comparison how the member did the previous timeframe as the member can select day, week, month or total

• Description of the category and why it is important

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Nationwide SmartRide Mobile App Events

If the member has any events during the trips, they will show up as pin drops on the map when the member zooms in on the trip. If a member has a trip between the hours of 12:00 AM and 5:00 AM, the time will be red to indicate the trip had nighttime driving minutes.

Non-Nighttime Driving Trip Nighttime Driving Trip

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Nationwide SmartRide App – Remove Trips

There may be times when the app will pick up a trip and assume the member is the driver. If this happens, the member needs to select the trip, click on the “Not My Trip” button, and then confirm that it was not their trip. These trips will be suppressed from the driving history within 24 hours. The member can only remove trips within 7 days of taking the trips.

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Nationwide SmartRide Mobile App – Reviewing Discounts

As the member participates in the mobile program, they will transition from the Fingerprinting stage, data collection and program complete. The discount amounts during each of these will be different. During the fingerprinting stage, the estimated discount will no show until this stage is completed. Once the member transitions to the data collection stage, the estimated discount will be displayed so that the member will know what to expect throughout the program. Once the program has been completed, the final discount will be updated on the app for the member.

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SmartRide Mobile Overcoming Objections

There’s no reason to encourage agents or members to use mobile. There are many benefits for choosing the SmartRide Mobile app over device:

• The discount applies to all vehicles on the policy

• There aren’t any pesky device logistic issues or “non-compatible” vehicles! After enrollment, customers can download the app and start participating immediately.

Device customers earn a larger discount than mobile participants. Our data shows the earned discount is the same for device and mobile participants SmartRide mobile requires a tech-savvy user. Anyone who is familiar with smartphone apps (google maps, Waze, activity trackers, etc.), will be able to successfully activate and use the SmartRide app Mobile will negatively impact our members’ phone data usage. The SmartRide app uses very little data to transmit trip data, and uses Wi-Fi networks when available Using the mobile app will be a privacy concern for members (because of GPS) Members already use other apps that use GPS (Google Maps). The SmartRide app uses location to measure behavior but unlike Google, it does not sell or use this data to 3rd parties for marketing purposes. Both the mobile app and the device support mapping functionality through GPS SmartRide mobile will drain our members’ phone battery. Battery usage is similar to Google Maps, Waze or other GPS-enabled applications. If a member drives a lot, we recommend they charge their phone while driving. Keep in mind the usage of the app is limited to the 4 -6-month participation period. Members can uninstall the app when they finalize the program. The mobile app will capture trips when our member is the passenger (not the driver). The app is 80% accurate identifying the trips. When it occasionally misidentifies a trip, members can mark that trip as a passenger, so it doesn’t take it into consideration.

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Adding Mobile App Program

On the Usage Based Insurance screen, the drop-down box will have the following options: Mobile App Program, Vehicle Program or Declined. You must select an option or you will receive an error message.

When Mobile App Program is selected, there are additional questions to answer: 1. Policy Program – Select Mobile App Program 2. Mobile App Enrollment Status – you will select enrolled 3. Customer agrees to download mobile app – you will select Yes 4. Customer Agrees to a one-time activation text 5. Enter in the mobile phone number

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Nationwide SmartRide Vehicle Plug-In Device – Welcome Kit

The member may choose to participate in the device program. Once enrolled, the member will receive a welcome kit. The welcome kit includes the following items:

• A Device

• The quick start guide with installation instructions

• Terms and Conditions of Use

• Postage Paid Return Address Label

We recommend that the member stow the box and postage paid label away – perhaps in the glove

compartment of the vehicle - to return the device at the end of the program. If the member has

trouble finding the port to install the vehicle, there is a port finder tool on the SmartRide website:

The Port Finder is found on the website at: www.nationwide.com/smartride

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Nationwide SmartRide Vehicle Plug-In Device – Dashboard

There is a secure website the members can access their SmartRide information by using their nationwide.com sign-on credentials. This information may be viewed by anyone with sign-on access. The dashboard allows the member to view the information by day, week, month or total view. The member will see their trip information, the estimated discount amount, and the program timeline.

The member can click on each event category to find additional information about their driving behaviors. Once selected, each category will have the following information: *Green, Yellow and Red range for each category *Comparison how the member did the previous timeframe as the member can select day, week, month or total *Tip on how to improve

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Nationwide SmartRide Vehicle Plug-In Device – Reviewing Trip Information The member just selects their trip and it shows the following information:

The member can click on the + and – signs to zoom in or zoom out on information for the trip.

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Adding Vehicle Program On the Usage Based Insurance screen, ehre are the steps to enroll the vehicle in the device program:

1. Policy Program – Options are Mobile Program, Vehicle Program or declined. Select Vehicle Program

2. Enrollment Status – Select Enrolled

3. Vehicle Program – Default to Discount (SmartRide Device)

4. Customer agrees to install the device – Must select Yes to participate in the program

5. You must repeat these steps for each vehicle to enroll in SmartRide

6. A quick snap shot of whether or not the vehicles are enrolled in SmartRide is visible by reviewing the vehicle

program on the right side of the screen.

How do you know if a vehicle is incompatible? The Device Compatible is No and the enrollment status

is changed to Not Enrolled and will not allow you to enroll the vehicle.

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Adding SmartRide Discount Using Comparative Raters EZ Lynx IBQ

PL Rating

ITC or Turbo Rater

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Nationwide Pre-Qualified Connected Car (PQCC) Program

Nationwide has partnered with General Motors and TIMS (Toyota) to offer an eligible discount to non-Nationwide members by opting in to the telematics program provided by these groups. The data is collected for 90 days. If the customer is eligible for a discount with Nationwide, an offer will be extended to the customer. The offer can be completed if the customer is interested, they will click on a link in the offer and be directed to a quote and bind system to purchase a Nationwide policy. The customer will be able to add the SmartRide discount and participate like normal if they have additional vehicles to add to the policy. These policies will have Pre-Qualified “Yes” to indicate the source is from our Pre-Qualified Connected Car partner and this field cannot be added or overridden in PolicyCenter. Currently, this program is only available to Exclusive and NSS Agents.

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SmartRide Weekly Summary Emails

Weekly Summary Emails – Participants are automatically enrolled to receive Weekly Summary Emails, sent to them once a week, every Monday. Here’s an example of the Weekly Email. It gives a summary of their previous week’s driving information that was collected. The only difference between the two programs is where the member is directed to see the information.

Important SmartRide Email Address Details

Email is the primary communication method used in SmartRide. These communications are a critical component of the SmartRide program. Vital program information is sent to participants, such as welcome emails, shipping confirmation, device installation or app registration reminders and weekly summaries. Therefore, it’s important to obtain the email address. The weekly summary emails will be sent to the member’s preferred email address associated with each enrolled vehicle (device program) or preferred email address associated with each enrolled driver (mobile app program). The Mobile App program will use each enrolled driver’s preferred email address as their User Name provided at time of registration.

The only difference between the two programs is where the member is

directed to see their information. For the mobile program, the button is “Go to

Dashboard”. The device program is “Log in to see your discount”.

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SmartRide Mobile App Settings

Within the SmartRide Mobile App, the participant can view and change the Recording and Device Settings. These may be edited at any time. Options include:

iOS Display Android Display

SmartRide Website Preferences

Within the SmartRide Website, the participant can view and change the SmartRide Preferences. These may be edited at any time. Options include:

• Changing the vehicle name when viewing

• Opting in or out of receiving the weekly summary emails

• Editing the email address information

• Receiving daily event notifications for selected driving events

Recording Settings: o Enabling Autostart o Disable Autostart on WiFi o Autostart on WiFi Dropout o Autostop on WiFi o Use Mobile Data for Maps

Device Settings: o Enable Screen Dimming o Enable Battery Monitor o Battery Threshold

Note: iOS and Android options vary slightly

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SmartRide Support

There is a dedicated support team ready to take calls from customers and agents for any SmartRide related questions, including the discount, device, SmartRide website or the Nationwide SmartRide app.

• Toll Free Number -- 1-855-421-2688

SmartRide Reference Materials

These SmartRide training and reference materials are available in iLearn:

• SmartRide Reference Guide

• SmartRide Recorded Learning Sessions

• Customer Communications – both mobile and device program

• Frequently Asked Questions (FAQs)