This is my first insurance company, It is telematics and is said to come without any limits however read the contact because you do get scored and although there are no limits there are clauses which lower your score's such as driving at night, in Rush hour and more than 7 journeys a day, They do give you cash back based on a good score as well as let you know what discount to expect the following year the lower your score the less discount you get and less you are given back however the better your score the more discount / cash back you get, Since having the telematics box i have noticed things that effect your score that do not reflect on your driving the main thing been pot holes, speed bumps basically just the overall condition of the road surface will lower your smoothness score also usage if you use your car for short journeys or do not have regular rests on longer journeys your usage score will go down again not reflective of your driving they also monitor speed which is better reflection of your driving , that covers the three areas they monitor you on. I have also found that when speaking to them they are not consistent, I have read my policy which i think states that i can not transfer any no claims i earn but when asking over the phone they clearly state that i can transfer any no claims i get with them. Would i recommend them to insure you ? well i am over 25 and to be honest i have only been with them for 4 weeks and i already wish i had paid the extra £400 that it was not to have the telematics box, my position is that i am a window cleaner and make many small journeys and the roads near me are in rubbish condition which ruin my score the other factor of not knowing if i will get my no claims discount or not at the end of the year leave me in a position where i would ever recommend telematics insurance to anyone , it is quite frankly a clever insurance con that can leave you paying more in the long term and i personally will be looking for a new insurer once i have the down payment available. It may be worth mentioning here that my current score is +7.2 which i am told is a very good score baring in mind that the best score possible is +10 which according to the company no one achieves this also be wary of reviews i only gave my honest opinion here because they are offering £100 to write a review, i just now wonder how many thought they had to give a really positive review to get the cash. My review is based on been with them for 4 weeks and thinking into the future how this will effect my premiums its as honest i see it and i hope it goes some way to helping you pick your insurer. Black box not for me but may be for you