Don’t go with RAC if you’re looking for a black box insurance. I’ve been with them a few months now and they only seem to be getting worse. They said they don’t penalise for “late-night” driving, but whenever I drive past 7pm my night score gets knocked down to 75 from 100. Luckily I was on my last few late shifts at work but I can’t imagine what it would be if I were still doing them. Urban score always knocked down despite doing perfect driving. And the hint it gave me was irrelevant. Had to perform an emergency stop this week and I knew it would knock my braking score down (wrong I know, but I don’t have any way of proving it). What I didn’t know is that it would knock my braking score from 100 all the way down to ZERO (I have never had to do this before). And it’s not gone back up despite purposefully driving to try and knock it back up. This also then knocked my urban score down (from 80-odd to 60!) and therefore my overall score. The black box has also been faulty, reporting incidents that never existed. Haven’t had any discounts for good driving and I know I’m not going to be renewing my insurance with them, no matter how much cheaper it may be because it’s not worth the stress dealing with it and the useless CS. The only good thing about them is that I got to choose what day I got billed, but this is more of a thing for convenience than anything else.