the whole company is a scam, they are doing this to take money on young people like myself.. I am 22 and this was my first insurance and I tried so hard to keep my score below 40 I didn't speed or drive after 10 (even though they say there is no curfew) and my score was on 39 for 3 weeks (funny how it needs to be over 40 to not be cancelled) they then told me they was cancelling my insurance and would be better for me to cancel it before they do to avoid future complications which I did and then got charged £40 for cancellation fee even though they have my £210 deposit!!!! its awful I would NOT advise to use this insurer!!!