My 19 year old son insured with Hastings and immediately got low scores for his driving. he scored 0 for acceleration even on days when I was driving and definitely don't use fast acceleration. The policy states there is no curfew, however we have discovered that you get marked down considerably for driving after 10pm making it impossible to keep your driving score above 40. He has been threatened with having his policy cancelled without refund. His previous insurer rated his driving as very good, so how could it change overnight! Do not use Hastings Smart Miles..