A couple of months in and fine so far. It seems worth the hassle for significantly cheaper insurance and I'm pleased that it makes me observe the speed limit 100% of the time - tricky at first but now it's just habit. It was the only vaguely affordable way to insure my daughter on my car so unfortunately it lumps both of us together as one driver even though I am the main user and have been driving for 25 years. We're losing more points than I expected on accelerating but maybe that's fair feedback. I'd like more info about how this is measured though as I suspect it is related to how/when I am changing gear rather than actual acceleration. The 10pm curfew is a bit on the early side and we lose around 5/100 points each time we travel after 10 although we get them back over time - I would avoid getting this insurance if you know you regularly have to drive after 10pm. I personally think they should change this to 11pm to cater for people who work and have a social life!