I took out smartmiles for my daughter on her 1st car, but after reading the hundreds of poor reviews on smartmiles I decided that it was not worth the risk and I cancelled the insurance within the 14 day cooling off period (I know I should have read the reviews 1st). That's where the nasty surprise hit my inbox, instead of cancelling the policy and issuing a refund, Hastings immediately issued a new annual policy WITHOUT my authorisation! if I had not checked my email or the attached documents I would not have know, fraudulent behaviour? I will advertise this service to a wide an audience as posible as sadly all the other poor reviews have indeed rang true. STAY WELL CLEAR.