I'm new to Hastings Direct youngdriver insurance. So far I haven't experienced anything terrible with them. My insurance was reasonable price, the app is easy to use and it updates quite quickly. Only frustrating thing is the first day I installed the blackbox I had to drive to pick my partner up which is a couple miles out of my town. The national speed limit applies in most areas but I always do around 55mph as we have a lot of pot holes and road works and in some areas its 40 or 30. I lost points from braking as there is a lot of road works to begin with and there was police and ambulances speeding through the cars which meant I had to slow down and brake quickly otherwise if I continued it would of caused an accident. The second thing to happen was I was in a village called edgcott it is a 30mph zone. I don't do this speed as it has loads of sharp bends so I done maximum of 25mph. A dog walker decided to walk out on a blind bend which also meant I had to slam my brakes otherwise I would of hit him. He did apologise as he knew crossing there was dangerous but apologies don't change my score. In the same area a DPD van reversed out of a garden into oncoming traffic which affected my braking score too. I'm good at braking, its one thing I feel comfortable with and one thing my instructor complimented me on (believe it or not) but its just sad that other people actions can and will affect your driving daily which will affect your score.