Wise Driving has offered good insurance at a fair price. I don't think I'll be choosing WiseDriving again as the black box curfew of has severely hampered my social freedoms and limited my working hours. It wasn't made obvious to me that your score must increase at each quarterly review in order to receive a refund on your insurance, and therefore only received a refund on my first quarter (at 90/100) despite being just 2 points below (88/100) in my second. I think the telematics service needs more development as sometimes my score for breaking/accelerating would be excellent one day then poor another, without any change to my driving - it seems as if this is almost random day by day and never consistent. WiseDriving has however offered excellent over the phone customer service throughout the duration of my insurance so far, and was the only reasonably priced insurer I could find for a young driver such as myself