Having been scared by so many bad reviews after taking out the policy with Hastings direct if felt it was appropriate to leave a positive review. My daughter has had this policy for two weeks now. I've had to talk to them three times to get the account sorted and EVERY time it was a helpful conversation and the guys really knew what they were talking about. Fitting the black box was a breeze at less than 10 minutes and so far it seems to have been very accurate. One slightly negative point is that when she took the policy out she was told not to drive too frequently between 10pm and 5am - she got home at 10:05 the other night and got 20% knocked off her perfect score which I think is a bit rich, but in reality losing all the time of day score is only 25% so won't drag her down to below 40%. All in all so far I'm happily impressed. That may change, but for now I'll settle for that.