Worst experience of car insurance ever ....... My daughter got insured with Hastings SmartMiles first mistake !!! She has had the insurance for 6 months approx and her score has always been ok until this last month where her score has dropped below the required 40. Upon phoning up SmartMiles to enquire how we could increase her score we were told it was because she has driven after 10pm !!!!! Shock horror a 19 year old out after 10pm whatever next !!!! She then proceeded to keep the car at home after 10pm for 2 weeks no change whatsoever in her score !!! Her app states that she does 85% of her driving in the day so 15% is at night yet that equates to a '0' score on her time of day driving !!?? No one at SmartMiles could answer how these scores are arrived at ! She has now had her email to say they will cancelling her insurance in 7 days .... congratulations smartmiles you have turned a competent and confident driver into a quivering wreck scared to drive her own car ...... WORST COMPANY EVER !!!