My son had taken out this insurance and I feel that it is a system that is weighted far to much in favour of the insurers. The car is parked up 5 days a week and no credit is given for this to the driver, surely this is 5 days at very minimal risk to the insurer (it is parked on an army camp). I was the original driver for 3 weeks on this car before my son began to use it, I have 40 plus years driving experience and as an LGV driver am used to driving steady, however to get a high score on cornering and braking is an impossibility and would challenge any driver to succeed in this using the same routes I had to use. I also believe that there should have been clearer documentation on the penalties for the night time driving, as if you are working shifts, there is too much of a penalty associated with this. A letter arrived on my doorstep (main home address) informing him that he was being financially penalised for a low score, no e-mails to warn of this as they expect you to keep logging into the website, which is another get out clause in my opinion. My son was on exercise at the time and I had to make a payment to prevent the insurance being cancelled. This could have been a cause of him driving home from camp without insurance before finding out it had been cancelled.....VERY dangerous practice COOP! Make more effort to contact your customers and show some respect for them! In conclusion, be very wary of taking out this black box insurance with the COOP, the initial premium quoted WILL escalate by tens or hundreds of pounds on a quarterly basis, this based on your score, I would be interested to hear if anyone does get a rebate as the COOP claims happens? Although we did have a blue moon recently.