Only negative is regarding the smartmiles app/blackbox, the scoring system for braking is very difficult to maintain a high score without having to brake like a 60+ year old. This simply is not feasible on the roads as it will lead to build up of traffic. I myself brake with plenty of time but still receive lower than average scores for braking. Have spoken to others who have policy's with smart miles and have similar experiences with their black box. Otherwise i have not had any issues and my renewal of policy automatically is a good feature and has lowered each year. Have not had to use the breakdown cover yet. Have spoke to customer services on a few occasions and agents were polite and efficient.