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Liberty Mutual ByMile™ terms and conditions

The following outlines the terms of participation for enrollment in the ByMile program offered to you by Liberty Mutual Group and any of its affiliates meaning any entity under common management and control with Liberty Mutual Group Inc., including those companies operating as Safeco Insurance (collectively "Liberty" or "the Companies"). ByMile is a program that uses mileage data to adjust insurance premiums (the "Program".) This agreement governs your enrollment in the Program, including but not limited to access to information stored on a third-party website and your use of any technology required to enable the collection of certain data. ("Technology").

By participating in the Program, you are expressly permitting Companies to collect and transmit your data through the Technology. Liberty may share certain data about you and your participation in the Program with other companies (“Service Providers.”) A complete list of the data elements collected can be viewed at https://www.libertymutual.com/telematics-data. This list will be updated as the data collected changes. The only data elements that will impact your premium are listed below.

  • Mileage
  • Technology Connection Event
  • Technology Disconnection Event

Participation in the Program is voluntary. If you do not agree with these Terms and Conditions, then you should not participate in the Program. Your consent to these Terms and Conditions is shown by your signature/acknowledgement of these Terms and Conditions. To consent, you must be a Named Insured on the policy and have the authority to express consent for all rated drivers, vehicles and operators. These Terms and Conditions apply to all vehicles and all drivers on your policy, whenever added. Your ongoing use of the Technology indicates your acknowledgement and acceptance of these Terms and Conditions.  You are required to properly install, activate or register the Technology in order to participate in the Program.

You also agree that the data collected and the policy adjustment made as a result of that data may apply to your policy, including any endorsements or changes to your policy, for example, changes to named insureds or insured vehicles.


By participating in the Program, your policy premium may reflect an adjustment based on your collected data.


We will not sell the data collected by participating in the Program.  We may use the data as permitted by law, including for purposes of adjusting your auto insurance premium, servicing your policy, providing services related to the Program, developing rate or premium information, developing other services and benefits to offer to you or other customers, or for research.  You also agree that we may use the data in connection with any insurance claim, including for purposes of reporting, investigating and adjusting such claim(s).  We reserve the right to collect data as long as the Technology is in use and may retain the collected data as allowed by law.

We may provide data to our service providers for the purposes described here.  We may also share the data as permitted or required by law, such as pursuant to a subpoena, law enforcement or regulatory inquiry or some other duly authorized request.


You agree that you will not destroy, alter, disassemble, duplicate, clone, or otherwise tamper with the Technology, nor will you attempt to reverse engineer the firmware, software, or source code.

Use of the ByMile smartphone application, where available, may result in smartphone wireless carrier data charges. You are responsible for all data charges associated with the use of the application.


If the Technology involves the use of a physical device the following applies. Failure to return the Technology in good working condition (normal wear and tear excepted) may result in a fee to recover its cost.


Program eligibility is contingent upon your providing a valid email address or other contact information approved by the Companies, signature/acknowledgment of these Terms and Conditions, and proper installation, activation or registration of the Technology.


Enrollment may also be cancelled if there is evidence of tampering with the Technology or evidence of frequent disablement of the Technology. We reserve the right to remove any premium adjustment or bar you from future participation in the Programs if we uncover evidence of tampering or frequent Technology disablement.

If you

  • Do not agree to our ByMile Terms & Conditions;
  • Do not activate or are unable to use the telematics technology; or
  • The telematics technology is not reporting driving information under normal operating conditions, you will no longer be eligible for the ByMile program and your coverage will be re-rated according to our standard annual auto rating program.


The Companies will not assume any liability for damages caused by the Technology. Further, we shall not be liable for any indirect, incidental, consequential, special, punitive, exemplary or other damages arising out of or in any way related to the Technology or the Program, including without limitation, damage for bodily injury, lost wages, or damage to your smartphone, other vehicles or property, caused by or resulting from the installation, activation or registration of the Technology. Nor are we liable for the unauthorized disclosure or use of the information collected by the Technology, or actions or inactions, of any third-party vendor.

You agree to defend, indemnify and hold the Companies and our service providers/third-party vendors harmless for any and all liability, loss, claims, costs and expenses whatsoever arising from your use of the Technology.

In the event this limitation of liability is held to be inapplicable or unenforceable for any reason, in whole or in part, then our aggregate liability for any reason and upon any cause of action arising out of or in any way related to the Technology shall be limited to direct property damage to the vehicle in which it is installed. Our failure to exercise or enforce any right or provision of this agreement shall not constitute a waiver of such right or provision.


We reserve the right to discontinue the ByMile program at any time and for any reason.  If the ByMile program is discontinued, you will continue to have coverage, but at our filed standard annual auto rates.

You should check for any changes to the Terms and Conditions at https://www.libertymutual.com/bymile-terms-conditions. If you continue to use the Program after any changes to the Terms and Conditions are posted on this page you will be considered to have accepted, and to have agreed to be legally bound by, such changes.