I read the reviews of Hastings SmartMiles and thought, no that's not going to happen to me because i'm not stupid and my daughters a good driver, it must only happen to thick people, So i took out a policy on my daughters behalf and it happened to me! After 3 weeks of driving her brand new, smells lovely inside, 4 miles on the clock car so carefully, Hastings sent her 2 messages to say her driving was well below the 40 out of 100 score they require and may well cancel her insurance. I have cancelled this insurance post haste and gone elsewhere, the only advice i can give you is that if you have a car and want really cheap insurance as you're only planning to use the car as a paperweight or have it pushed everywhere then this is the policy for you. If however you actually want to drive your car then i suggest you do the same as John from Reading so beautifully put it when i read his review......................... "KEEP CLEAR OF THIS COMPANY ITS A CON". Happy motoring as the AA say (or is it the RAC)