After a few days of taking out insurance with Hastings smartmiles I decided to read through the reviews online of how easy it is to fit the black box etc. After reading through just the first page of reviews (which were all terrible!!) I decided to cancel my policy as I was still within my 14 day Right to Cancel period. I was then told i will be charged a £25 cancellation fee (which i was never told when i took out the insurance) and that they couldn't give me an exact figure over the phone of how much i will be refunded and i will receive a letter within 14 days. The whole company is a scam which is why they charge so little at first to draw customers in (especially young drivers) and then charge you much more throughout the year. I am just grateful that i noticed the reviews just 4 days into my policy. I would rather pay the extra couple of hundred pound to know that i am with a legit insurer who wont scam me out of loads of money!