I purchased this policy for my daughter for her first car. Although Hastings Direct provided the cheapest quote, they fail to tell you some major drawbacks with the policy until after you have purchased it. The SmartBox scores drivers on four aspects. Acceleration, braking, speed and time of day. The first 3 are quite reasonable, but it is not made clear until after you buy the policy that driving after 10pm drags down your score considerably and can result in cancellation of the policy at considerable financial loss. As a result, you are severely restricted as to when you can use your car. If anyone still wishes to buy in this knowledge, do pay the ?35 for an engineer install of the SmartBox. The blurb says it just attaches to the battery terminals, which sounds straightforward. But this info is incorrect for many cars. In my daughters case (2015 Ford Focus) the engineer had to remove trim and rubber seals to roll back the carpet and then hard wire into a large tightly bound wiring loom and drill the SmartBox into the floor of the car. This would be impossible for anyone to do themselves unless they are an electrician. I also wasn't happy about having the immaculate car that I had just bought for her pulled around like that. Finally, the SmartMiles App and Website are both hopeless. The website doesn't show correct info (trips get missed etc) and shows wildly different data to the App. It also doesn't allow you to log off. The App shows more of the trips, but they take an age to update and, when they do, they sometimes only show part of the journey, wrongly implying that your car was left overnight somewhere other than your home which, again, can impact on your insurance and result in possible (and unfair) cancellation. I thought there was a fault with the SmartBox but miraculously, the App seems to sometimes correct itself and complete the rest of the trip a few days later. Had I known that this policy would be so restrictive and the SmartBox data so hopelessly incorrect and unreliable, I would have paid the extra for a policy that doesn't require a telematics box. Even though my daughters score is currently a very respectable 99, it's all far to stressful worrying that you may be penalised due to poor system reliability and inaccurate data and not being able to drive after 10pm without major risk of having the policy cancelled. It is very unlikely that we will renew with Hastings as a result and wish that I had read the countless appalling reviews on this review site before I purchased this policy as I would have shopped elsewhere.