I have to say, I have not required to take out an insurance claim - by the looks of the reviews, I will probably never do it. That being said... I have been using GA for 2 years now straight after getting my license and I've had nothing but good things to say. They track my breaking and acceleration and I do admit from roundabouts to 60 roads, I do get marked down. The point system is on a 0-100 scale being monitored on: Speed, Time of day, Smoothness and length of drive. Any time past 10pm and you will get around 50-60 i believe for time of day. everything else for me is usually above 80. My score after 2 years has averaged to 71/100 which is still considered good driving and my premium has gone down. I have had to email when my policy renews as I took it out on 28th but I dont get paid till the end of the month so the money comes out too early. Making this change causes a double payment for the first month, one on 28th and one on the 1st but my last month is free. Changing this over the first time was a hassle and took about 2 weeks to sort. Their customer service is really lacking. And I dreaded the 2nd time around, but this was sorted fairly quickly after I knew what I was expecting. Overall they are a great telematics company (for the driving experience) and are quite lenient with the scoring.