Terms and Conditions for Telematics Use

Last updated: July 2025

By purchasing a “pay-per-mile” policy or using telematics related benefits (such as crash detection or premium discount) you consent and agree to these terms and conditions. Lemonade, Inc., its subsidaries and affiliates (collectively, “Lemonade”, “we”, or “us” or “our”) reserve the right to modify these terms and conditions at any time without advance notice.

These terms and conditions require you to plug in, and keep continually plugged in, the telematics device (the “Device”), download our mobile phone application (the “App”) and enable the App to continuously track location, and/or utilize another technology provided by Lemonade or your car’s manufacturer for use in connection with your policy. The terms Device and App include another technology utilized by Lemonade or your car’s manufacturer to transmit data in connection with your policy (i.e., a connected car).

The Device; Information Recorded & Transmitted

The Device plugs into your vehicle’s On-Board Diagnostic II (OBD II) port. This Device is GPS enabled and records and communicates back to Lemonade a variety of information about your vehicle and your trips, including but not limited to miles driven, speed, heading, acceleration, deceleration, altitude, periodic odometer readings, collision and impact, location information, and any information derived from the foregoing information (collectively, “Data”). The Device identifies and records when it is connected or disconnected. The Device transmits the Data wirelessly to and from Lemonade through our wireless partners. Mileage and other Data may be used to underwrite and rate our insurance offerings, and will be used to develop, maintain, model, analyze and enhance our products and services.

The App; Information Recorded & Transmitted

The App is a mobile phone application that records and communicates Data (excluding odometer information), as well as additional information about the mobile phone such as its motion and any usage of the phone via calls or tapping the screen, back to Lemonade or its commercial partners. Data may be used to underwrite and rate our insurance offerings, and will be used to develop, maintain, model, analyze and enhance our products and services. The App does not record the content of your communications or the identity of the person with whom you are communicating.

Eligibility

If you choose to utilize a Device you must also provide a valid email address and install and continually maintain a Device in all vehicles identified by your insurance policy.

If you choose to provide information on the App you must also provide a valid email address and install and continually maintain, including downloading updates and continuing to enable location tracking, the App on your mobile phone.

Device Requirements

The Device uses a certain amount of current from the battery even when the vehicle is not turned on. Care should be taken in using the device in vehicles that have older or weak batteries, or that may go extended periods without being started. The Device may be transferred to a vehicle replacing an existing vehicle on the policy by informing Lemonade of the change.

The Device is the property of Lemonade. In the event of any policy termination or vehicle removal by either party, we have the right to charge you a fee of $100 for each device not returned to us in good, working condition within 30 days of the termination date of the policy, or removal of the vehicle from the policy. You consent to Lemonade charging any card or account you have on file for the fee if the Device is not timely returned. Normal wear and tear and damage to the Device caused by a motor vehicle accident will not result in a charge.

Consent & Acknowledgment

You (on your own behalf and on behalf of each registered owner, if not you, of a vehicle in to which a Device is installed) consent, acknowledge and agree that (a) you and the registered vehicle owner will voluntarily install and continually maintain the Device in each covered vehicle, (b) you and the registered vehicle owner acknowledge and agree that failure to install and continually maintain the Device as set forth in (a) is a violation of the terms and conditions of your insurance policy, and (c) mileage information received by Lemonade from you or your vehicle is not independently verified by Lemonade.

Ownership of Data

You acknowledge and agree that the Data provided via the Device or the App is the property of Lemonade

Use of Data

You agree and consent that we may use any Data in assessing any claim under any applicable policy, regardless of the driver or party at fault. If the vehicle is involved in an accident, you must preserve the Device and all Data on the Device, so do not destroy or discard the Device. Failure to preserve the Device or the Data may be deemed a failure to cooperate under your policy and may impact the handling and evaluation of any claim. You may not require Lemonade to delete Data obtained via the Device or App except after the later of six years from the date on which the Data was recorded or expiration of any applicable statute of limitations.

Lemonade may share any Data, without additional consent or notice, in response to a subpoena or as otherwise as required by applicable law, rule or regulation.