I took out my insurance with Hasting Direct Smartmiles as an existing Hastings customer and really cannot wait for the 12 months to be up. The installer arrived as booked and was supposed to take a photo of my existing No Claims Discount which he did as well as asking for my driving licence which wasnt mentioned at any point but luckily I had it. I then received an email from them with just the title documents to which I assumed was the confirmation of policy documents etc. It wasnt. Apparently the installer phot wasnt adequate and unless I submitted further proof within 7 days then my discount would be removed. I emailed them to say I was a Hasting customer so should be easy to locate at their end, nope they dont talk to their sister company......rubbish customer service. if you drive after 10.0pm on a regular basis this isnt for you, unless you can ensure that other idiots on the road wont cause you to brake sharply this isnt for you, if you cannot guarantee you can keeep to very speed limit then this isnt for you. In fact if you are an average driver you arent going to save any money and you run the risk of having your insurance cancellled, and from reading other reviews they wont phone or write to you, no they will send you an email to tell you its cancelled and the sting in the tail is once thats happened you will find it very difficult to get insurance elsewhere. AVOID