My 19 year olds daughter has just had her policy cancelled for having 39 points (below their 40) Her speed and acceleration are above both above 90 but she has 0 for the time of day and 15 for braking. She was then really careful with her braking but apparently didn't drive enough to improve her score! How they expect the car not to be driven after 10 is beyond me. At no time was this made clear when taking out the policy. Given 7 days to improve her score she was frightened to drive the car. Only when I rang was I told that if she didn't drive after 10.00pm that would improve her score and she would be fine. Wish I had read the reviews before taking out this policy.