Same as most people on here! Stupidly took out this insurance without reading reviews. Although sounds like I'm one of the lucky ones that didn't get my policy cancelled! Threatening letters when box already fitted. Took a further £270 as NCB not proven even though you need to show the certificate when they fit the box! (I did get this back 3weeks later!) Finally got to the end of my year and Hastings essential (no telematics) was £180 cheaper. Similar poor experience with the scoring system, I had 100speed 82acceleration but somehow 0 braking. Apparently I crawl up to just under the speed limit then slam my brakes on. Please avoid this company you'll most likely regret it!