Everything I've read below is the same as my 19 year old daughters experience - low driving score, cancellation of her policy after 2 months driving when her previous insurer classes her as a good driver. Never was a problem with previous insurer even when having to drive for a night shift. The night shifts did make a slight difference to her scores but NEVER had low scores. Hastings Direct said she won't get penalised for late night driving and no curfew, but I beg to differ on that! Hastings Direct have said her scores were too low so breached her contract and now cancelling her policy after 2 months. It is a disgrace. We will be cancelling her policy and will NEVER even consider any companies associated with Hasting Direct Smartmiles. Complete rip off. Seems to me they don't even want to help young drives, once they say policy will be cancelled that's it they take your money for nothing!!!!! BEWARE, please do your research thoroughly and don't get caught out like many of us have. Lesson learned!