Ok from the very start I got this insurance for my son. Obviously went for it as it was the cheapest and most affordable for my nipper. It was only later I found this review site and read through all the disgruntled customer points. It did raise some questions so I phoned up Driving Wise. Got through quickly and the chap answered all the points I put to him. Of course the Insurance is cheap because there is a Black Box fitted. Of course it goes up if you drive like a loon. Yes there is a try not to drive after 11pm limit on it. Like the chap explained. It doesn't slam down you score. Obviously it will if you are persistently bombing around in a car after this time. I'm writing this as honest as I can. I have to have faith in my son. I let him know if he drives like a loon his costs will go up. Quite rightly so as if he is speeding the Black Box would know. After all he would be breaking the law and I would much prefer to see it on the report on-line and have a chat with him than to have a Police Officer at my door. We're all to quick to write a damning experience but the proof is unfortunately your son/daughter or even you are driving like loons. If your careful, don't speed and drive at reasonable hours the Insurance comes down. Now what is wrong with that. DO other insurers offer that? I monitor the Driving reports weekly and let my son know how he is doing. If his scores come down a little I let him know. He adjusts his driving and sure enough the scores go back up. To sum up. My son has had no bad experiences with what has been reported on here. If you can't drive safely and stick to speed limits. Always have the impulse to drive around after midnight with your mates racing with your boom box blasting THIS IS NOT THE INSURANCE FOR YOU. Remember if for any reason your premiums go up. Your Driving like a Loon. No matter how much you want to believe your sweet Prince or Princess. Oh! not my Johnny. Yes he was driving like a fool.