Although I am guess many people have a positive experience with Smartmiles, it does not take into account geographic differences. I live in Milton Keynes, well known for its numerous roundabouts. Smartmiles registered the constant brake/ acceleration process due to these roundabouts as a "low score". Even when my mum, a named driver on the insurance, with over 30 years of a completely clean driving record, and a high mileage user, used the car, it recorded a low score. I contacted Hastings but they refused to acknowledge that the geography affected the score. If you check out internet reviews you will see similar feedback. What a pity, it's a great idea to reward safe drivers, but "safe" seems to be determined by computer algorithms rather than common sense.