After a year and a final drivers rating of 93, my annual premium has gone from ?1,200 to ?560, and I now only pay ?58 per month compared to the ?110 I was paying last year. As it?s only the second year I?ve held my license, this is a considerably low monthly payment for car insurance. I found the driving app really helpful, it picked up on my harsh braking initially and more score in this area became quite low, however as time went on and I no longer had this problem (just took time to get used to the brakes!), the score then went back to 100. I also had someone drive into the back of me in April and everything was handled very smoothly with minimal stress to myself. The only downside has been the 10pm curfew. Definitely recommend for first time drivers.