I am 18 years old and took the insurance policy out myself in November 2016 - unfortunately I had not read the reviews and went with this policy as I was fooled by the low prices. The initial payment of £290 and then monthly payments of £85 after that (for a year) seemed reasonable and affordable. I kept track of my driving on the app and within the first week my scores were 100-speed and 100-acceleration but had reduced to 0-braking and 0-time of day, this took my score down to 38? I'm not sure how they calculate that! They emailed me and rang me with cancellation threats and told me I needed to improve my score to 40 to keep my policy, I didn't understand how I could drive more carefully but I tried anyway.. My braking score went up to 10 (mostly due to slow driving and therefore rarely to use my brake) and they were happy with a score of 42. However it reduced again and this time they sent me an email (no call) with another threat to cancel my policy if it didn't improve, and then said they would cancel it at the end of January 2017, but obviously this would effect attempts to get insured elsewhere - therefore I was forced to cancel my policy. They have taken a total of £460 off me for 2 months and 4 days of insurance - the woman on the phone laughed when I said it was a good job they weren't charging to cancel my insurance as they'd only just charged me for another months insurance 5 days before I was forced to cancel! The SmartMiles box deducts your score no matter how well you drive, and although it shows your journey it does not show ur score for each journey, therefore they lack evidence in where they have reduced the score! I have spoken to family and friends who have also had 'black box' fitted in their car (some of whom drive a lot worse then I ever do!!) and they have never had a problem with their insurance, and they get a score for each journey! This company is out to scam young drivers and I only hope that people read these reviews and don't make the mistake I did!