To be fair I wish i would have read… To be fair I wish i would have read some of these reviews before I purchased this insurance for my daughter Be aware you can only use your car 7 times in a 24hrs period or you lose most of your scores, there isn’t a curfew but use your car after 11pm and you lose all your score. 49 journeys a week would be more fair instead of the 7 journeys per 24hrs I use my car to go to college I come home at dinner and back again so the leaves me 3 journeys for that day so the next day I go over my 7 and yes lose my score Smoothness 10 Speed 10 Because of usage wipes out SO SO unfair