The smart miles insurance itself was OK apart from the curfew so no driving after 10pm or before 5am which significantly affects your rating negatively. The biggest issue I had is that 3 weeks before my policy came to an end I had found insurance elsewhere so made a phone call to Hastings smart miles to cancel my renewal and was informed that my cancellation was confirmed. 3 weeks later I receive an email confirming that my insurance had been renewed with Hastings smart miles and as I pay my insurance in full the full amount had been deducted from my account. I phoned Hastings smart miles immediately stating what had happened and even though I was now overdrawn I now had to wait 3-5 working days for my refund, and as it was bank holiday weekend I had to wait 4 more. Not happy