Modern day robbers who give threatening behaviour, hiding behind Smart box technology whereby the consumer wouldn't be able to challenge if the data was correct or not or if its been manipulated. Only 10 days into a car insurance policy and I am sent an email saying my insurance could be cancelled by Hastings Direct Smart Miles if my score continues to be below 40 over the next 200 miles, but I won't be entitled to a refund on the £100 (1/3 of the insurance premium paid upfront) and they will charge another £45 for THEM cancelling the insurance premium!!!! What’s to stop this company taking the equivalent of 5-6 months premiums including the cancellation penalty and manipulating the data on the smart box to allow them to cancel the policy in the first couple weeks….