Complete con of a black box policy and I strongly urge anyone reading this to look for insurance elsewhere. The app points system is purposefully made to lower your score and does not take into account speed bumps and mounting pavements when measuring your breaking score which in turn can lead to your policy being cancelled without any notice whatsoever. Furthermore, it is very easy for your score to decrease but not even remotely easy to increase your score afterwards. Please read other reviews and then ask yourself why people are reviewing Hastings badly.