It is the worst insurance imaginable. It seems to punish me solely just for driving. Firstly, they lowered my score because I drove after 10PM, I don't know if this is standard policy across insurance policies or something but it is vastly unfair for people like me whose lifestyle largely involves driving later at night. I altered this after the most condescending and unhelpful call for all time from someone clearly blinding off a script with no idea what they were doing. After this, my score failed to increase after I went to great inconvenient measures to assure this. Not only this but they continued to penalise me due to my breaking. My breaking is fine, I assure you. I live on a council estate and am required to slow down by cars pulling out unannounced and by speed bumps which are on literally every street in the area. I altered all of my routes and driving style to make my driving coincide with their unrealistic, preposterous and insulting driving standards and not only did my score not increase, it fell. It seems as if they are using the scoring system to permanently keep you as close to having your policy cancelled as possible in order to scare you into just not driving or being incredibly paranoid and driving as 'safe' (by ridiculous standards) as is possible. I would literally rather sell a kidney than renew my policy with them. I cannot stress this enough. I'd cancel it now but they charge hundreds for policy cancellations, another harshly anti-customer practice no doubt intended to keep this company from being revealed as the most anti-consumer driving insurance policy imaginable. LOOK LITERALLY ANYWHERE ELSE