You have had one star because there is not a box for no stars. initially good service very nice blah blah good quote for new female driver aged 18. After 90 days the policy was reduced for good driving by approx £20 pm under the smart box data for good driving. We then changed the vehicle and paid the additional premium for a similar but newer car. there was no change in the way the car was being driven. A new smart box was fitted and immediately started producing massively incorrect data. It was recording excessive tilt of the vehicle whilst cornering due to high speed although the high speed data being recorded was excellent and showed that wasn't the case. Apparently the suspension type soft or hard plus wear and tear can effect the data on corners cambers and roundabouts providing inaccurate and misleading info. The smart box was also producing incorrect data about driving at dangerous times, clearly it has no idea if the car is being driven in an extremely rural area or the middle of London, over mountains or on a motorway. the more corners you go around the more data it collects and misinterprets. it also records on private roads which it should not be. I raised a dispute with the Co-op they just defended their position and increased the monthly premium buy £31.00. They then sent the auto renewal but we have gone elsewhere where a smart box is not required for only a couple of pounds a month more premium and with better cover. The choice is yours.