If you're a young driver looking to insure your car with a black box, please avoid this company at all costs! There are far more reputable options out there. This is my experience - skip to the bottom to see the TL;DR. I paid for my insurance up front. In the first few months, the majority of my driving was around built up areas. The black box loved this because I was always moving at a pace so slow it would make a tortoise jealous. This meant that I had an 'excellent' score and received £120 back to my account (yay!). However, I then started driving longer distances which meant the use of motorways and A roads. To drive safely on these roads, you need to drive faster (at the speed limit) and accelerate quickly to ensure you merge at the same speed of the traffic. The black box didn't like this and absolutely nuked my score. You also have to be VERY careful not to drive a few MPH over the speed limit as this damages your score immensely. Because of this, my score reduced and whilst still being a good score it was no longer excellent. Despite still driving safely and maintaining a good score, I was fined £72 because my score deteriorated. Furthermore, they don't send you an email or any notification that you have received this fine - you have to delve into your policy documents and even then it's only titled "An update to your policy". This meant I didn't notice the fine until I saw it being charged to my account, which would have been problematic if I didn't have the funds available. You agree to allow them to make these charges when you sign up to the insurance so it would be very difficult to challenge them, and the black box technology is far from perfect. TL;DR If you anticipate that you're mostly going to be doing short drives around built up areas then this insurance will probably suffice (but I would still avoid them as a point of principle). If you plan to use your vehicle more extensively, then look elsewhere. Can't wait to switch in November - Christmas is coming early this year!