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Terms and Conditions and Use of AIG XLNTdriver App


Your use of this App is subject to these terms and conditions (the Terms). By installing and using the XLNTdriver app you agree to be bound by the Terms. As soon as You have registered your details within the App and You have confirmed acceptance of the Terms and the App is activated on Your Mobile Device, Data will be transmitted to Us through the App. This Data and any Personal Information You provide will be dealt with in accordance with Our Privacy Policy and App Privacy Notice.


You agree to provide accurate, up-to-date and complete information about Yourself, as prompted by the App and to promptly update Your information as and when any changes occur.


Data collected when the App is switched on will be attributed to You, even if You are travelling in a vehicle driven by another person.


If You have any questions about these Terms You can contact Us by email at or in writing at AIG Property Casualty, 30 North Wall Quay, International Financial Services Centre, Dublin 1.


The defined terms used in the Terms have the following meanings.


1. Definitions


App – The XLNTdriver application including any updates, new versions or new releases of the App downloaded to Your Mobile Device which records Data and transmits it to Us.


Data – the information we collect from Your Mobile Device related to driving behaviour. This includes the time, date, phone status (i.e. in use or being moved) and identity, network state, your location as defined by GPS co-ordinates, the battery state and accelerometer information for each journey where the App has recorded such Data.


Driving Score – A score ranging from 1-100 based upon analysis of the driving behaviour recorded by Your Mobile Device.


First checkpoint - when You have completed the required mileage to allow the App algorithm to calculate a score for your driving


Personal Information – Any information about or in relation to you, including the information you enter into the App in order to register including Your Email Address, password, your policy number,Your car registration number.


The Floow – The Floow Limited, a company registered in England with company number 07968005 with its registered office at Oxo House, Joiner Street, Sheffield, S3 8GW.


We/Us/Our – AIG Europe S.A. an insurance undertaking with R.C.S. Luxembourg number B 218806. AIG Europe S.A. has its head office at 35 D Avenue John F. Kennedy, L-1855, Luxembourg. AIG Europe S.A., Ireland branch office has its registered branch office at 30 North Wall Quay, International Financial Services Centre, Dublin 1, D01 R8H7, and branch registration number 908876. AIG Europe S.A. Ireland branch is regulated by the Central Bank of Ireland for conduct of business rules.


You/Your – A policyholder and/or any named driver(s) who have taken out a private motor insurance policy with Us.


Your Mobile Device – the smartphone mobile device onto which the XLNTdriver App is downloaded and installed.


2. Use of the App


This App is provided to record and track Your driving behaviour. We will provide You with a Driving Score by email after the completion of the First checkpoint and additional communications will be provided across the duration of your policy cover with AIG. These reports will be based upon the Data collected and transmitted from

Your Mobile Device.

You are solely responsible for ensuring that Your App username and password login details are kept confidential and safe. We will not be responsible for misuse of your username and/or password. You may not use the content or services made available in the App in ways that might violate our intellectual property rights, a third party’s intellectual property rights, harm our systems, or abuse other App users. Any trade marks shown in the App are the property of their respective owners.


You must download the App onto Your Mobile Device and begin recording trips on that phone within 7 days of the start of Your car insurance. The App must only be used by You. You must record most of Your trips on your App. Failure to download the App within 7 days of the start of Your car insurance may lead to cancellation of Your policy. Your Road Traffic Act Certificate and Disc will be sent to you when you have downloaded the App.



In the event that the Terms and Conditions herein are not adhered to, We have the right to remove your AIG XLNTdriver discounts which will result in an increase in your premium.


You acknowledge that any content that you upload to the App is done so at your own risk and We disclaim all liability in relation to such content.


You are prohibited from posting or transmitting to the App any material:


a) that is threatening, defamatory, obscene, indecent, offensive, pornographic, abusive, liable to incite racial hatred, menacing, scandalous, inflammatory, blasphemous, in breach of confidence, in breach of privacy or which may cause annoyance or inconvenience;

b) for which you have not obtained all necessary licences and/or approvals;

c) which constitutes or encourages conduct that would be considered a criminal offence, give rise to civil liability, or otherwise be contrary to the law of or infringe the rights of any third party, in any country in the world; or

d) which is technically harmful (including, without limitation, computer viruses. logic bombs, Trojan horses, worms, harmful components, corrupted data or other malicious software or harmful data).


3. Availability of the App


While we endeavour to ensure that the App is normally available 24 hours a day, we shall not be liable for any reason if the App is unavailable at any time or for any period.

Access to the App may be suspended temporarily and without notice from time to time; for example, in the case of required maintenance or where we reasonably suspect You have breached these Terms.


4.         Maps


The App makes use of the Mapbox Maps API (Maps API). By accessing and using Maps API, you hereby agree to not use the Map API function that would cause Us to be in breach of the  to be bound by   Terms of Use, as set out here


5. Disclaimer


Use of the App is at your own risk. The App is provided on an "AS IS" and "AS AVAILABLE" basis without any representation or endorsement made and without warranty of any kind whether express or implied, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy. To the extent permitted by law, We will not be liable for any indirect or consequential loss or damage whatsoever (including without limitation loss of business, opportunity, data, profits) arising out of or in connection with the use of the App. We do not warrant that the App will meet Your requirements, that the content will be accurate or reliable or that the functionality of the App will be uninterrupted or error free. Nothing in these terms shall exclude or limit liability to You for (i) death or personal injury caused by Our negligence; (ii) fraud, or (iii) any liability which cannot be limited or excluded under applicable law. However, We will not be liable to You for any loss or damage that could not be reasonably expected at the time You accessed or used the App, or which is out of our control.




6. Data charges


Network data charges may be applied by your Network Operator for the data transmission and data transfer operations used by Our App. Please consult your Network Operator for full terms and details in connection with these charges.



7.  Modifications to these Terms


These Terms may be amended from time to time and we therefore suggest that you review them periodically.


8.  Make a complaint


We want to give you the best possible service. If you feel you have cause for complaint, You should contact the Motor Manager at AIG Europe S.A., Ireland Branch.


If after such contact You remain dissatisfied, You may also write to the Customer Complaints Officer at AIG Europe S.A., 30 North Wall Quay, International Financial Services Centre, Dublin 1. Phone: 01 208 1400 or


If the complaint is not resolved to your satisfaction, you should write to the General Manager, AIG Europe S.A., 30 North Wall Quay, International Financial Services Centre, Dublin 1.

At any stage, You may contact any of the following:


Insurance Ireland, Insurance Centre, 5 Harbourmaster Place, IFSC,Dublin 1,

DO1 E7E8. Telephone: 01- 6761820. E-mail:; Web:


The Central Bank of Ireland, P.O. Box 559, North Wall Quay, Dublin 1, D01 F7X3.

Telephone: 1890 77 77 77;

Fax: 01 6716561

E-mail:;, Web:


The Financial Services and Pensions Ombudsman

3rd Floor, Lincoln House, Lincoln Place, Dublin 2.

Lo Call: 1890-882090., Phone: 01-6620899.,  Fax: 01-6620890.


Web -


9. Governing law and jurisdiction


These Terms shall be governed by and construed in accordance with Irish law. Disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the Irish courts.


Issue date:  June 2018