I have been with Hastings Smart miles since March 2017 when I passed my driving test. My insurance was initially ?1300 however after a year of good driving it has decreased to ?650 which is amazing !! they monitor your speed/mileage/braking and a few other things and give you an overall score. My score has always been about 80 so I knew my discount would be good. I have had to ring a few times to do things such as change details and change my number plate and they did it for me with no charge. Amazing so I will be staying with them for another year until my new renewal. Perfect for young/ first time drivers. The black box isn?t as scary as people think it is