Computer hardware; computer software for use in insurance, rewards programs, including programs rewarding responsible vehicle ownership and conduct, and software for vehicle telematics; electronic communications apparatus; electronic communications apparatus software for use in insurance, rewards programs, including programs rewarding responsible vehicle ownership and driving conduct, and software for vehicle telematics; mobile electronic devices; software downloadable from the Internet for use in insurance, rewards programs and wellness incentive programs; software for mobile devices and handheld computers for use in insurance, rewards programs. including programs rewarding responsible vehicle ownership and driving conduct, and software for vehicle telematics; application software for mobile devices for use in insurance, rewards programs, including programs rewarding responsible vehicle ownership and driving conduct, and software for vehicle telematics; application development software for mobile devices; accessories for mobile devices; magnetic data carriers; smart cards; chips, discs, storage devices and recorded media; teaching apparatus and instruments; downloadable electronic publications; global positioning systems (GPS) and navigational apparatus; vehicle tracking apparatus; speed measuring apparatus for vehicles; devices for monitoring and recording vehicle telematics; wearable electronic personal devices; pedometers

Telecommunications; transmission of digital data including vehicle telematics data

Advertising; business research and surveys; conducting market and public opinion surveys; processing of business survey results; business management; business administration; organization, management and operation of incentive, reward or loyalty programs and other promotional schemes; arranging and conducting incentive, reward or loyalty programs to encourage members or participants to make responsible life choices; arranging and conducting incentive, reward or loyalty programs to promote good practice; promoting the sale of goods and services of others by awarding points or rewards for purchases, membership or participation; consultancy services to do with the aforegoing; office functions

Insurance; short-term insurance; financial affairs; monetary affairs; issuing of tokens of value for incentive, reward or loyalty schemes; information and consultancy services for the aforegoing