The only bad thing with the policy is that the black box you have installed will malfunction if you have a heated/anti-glare front windscreen. Apparently the GPS signal cannot always get through. Meaning I have been marked down on my driving because the box recorded a whopping 90mph on the M62! (I have never gone above 75mph). The staff that work there (in my experience) have all been pleasant and quick to resolve any issues. I have claimed on my windscreen as in winter my cars windscreen cracked, £50 later it was organised within the week. Please note- the claim hasn't increased my renewal premium. However, don't get sucked in by thinking you will earn lots of money back, because you wont. You will for your first month then wont after that. They constantly want improvement even when it is physically impossible- slight problem with the technology I believe. Young drivers dash board is good and interesting to use. I would recommend this company.