If I could give these a score of -100 I would. Nothing but grief for the 6 weeks I was with them. I must of phoned over 20 times. My previous insurer with a fitted box rated me at 9/10 driver. However according to Hastings direct SMARTMILES I'm a 39/100. I have never sped whilst driving- but they continuiously told me that I was going 40mph in a 30zone- on a road I drive up and down every day that quite often has a speed van sitting at the top. My 4 average scores never changed from word go- but my overall score fluctuated between 38-45/100. Very convient that when FORCED to cancel my policy my score was 39- I only needed 40 to not be cancelled. The grief this insurance have caused! I will never ever recommend this company in my life- they wanted £300 for me to cancel, when my fiance told them to swivel after 2 hours of arguing with a very rude manager. I got the price down to £25- so glad I cancelled. Don't get with Hastings direct SMARTMILES!