Following on from what everyone else has already said, i do not recommend smartmiles! I have been with smartmiles from the day I passed, which was only 4 months ago, and already my score is at 37 and been told my policy is going to be cancelled if my behavior does not improve? I do not speed, I do not drive fast enough to have to break hard, I don't accelerate much simply because I don't have to as my car basically drives itself and maybe 3/4 days out of 7 my car is home at 11 O'clock instead of 10 and my time of day is at zero? okay! so how can I fix this? not drive too much for a few days? oh wait, you have to A LOT drive for your score to increase apparently! well, so I've been told! My score has never increased, even though i'm nearly 100% sure that I am the most careful driver out there! Honestly wish, i had read the reviews before i took this policy!