Cash rewards allows you to get cash back from stores although I don't think you can option for just having the cash instead of having to spend in one of the stores they said. The black box makes you aware to drive within the speed limit and to avoid harsh breaks. However, some journeys recorded does not exactly correspond to your speed limit in a particular street i.e 40km/h can sometime be recorded as a 30km/h hence your score for your speed could be -10. Cheaper for young drivers, however, the voluntary excess is quite expensive. But overall, a good insurer.