An on-vehicle information terminal includes a traffic information obtaining unit that obtains traffic information including at least either weather information or event information through wireless communication, a decision-making unit that makes a decision, based upon at least either the weather information or the event information, as to whether or not telematics information provided by a distribution server via a mobile communication network is to be downloaded, and a download unit that downloads the telematics information via the mobile communication network if the decision-making unit has determined that the telematics information is to be downloaded.