Please read the terms and conditions properly. I was excited to drive my first car and skim read the terms and conditions like an idiot. On the front page, 'No curfew' it says. And under it, it says 'this may affect your driving score'. Now I didn't cross examine this with the terms and conditions and assumed it meant my score would just be a little low, because what they don't tell you on the front page is that if you drive at night your driver score will go to -6 out of 10! and if more than 3 times in a month and you will have penalties and possible cancellation of policy. Being penalised for driving at night is a 'curfew' but they can get away with it on a technicality based on semantics. You can go out at night (but do it more than 3 or more times and you're screwed!). No matter how safely I drive, at the safest possible time on quiet roads, my 'usage' score never goes above 5/10. It is designed to screw you over and they know it. I tested this by driving down the road to the shop at 11:30am and then came straight back. No traffic, perfect speed and braking and no issues whatsoever. The least risky time of the day, on the quietest road just half a mile down the road and what usage rating did they give me? 5/10. And there is zero information on how they came to that score specifically because they know it's poppycock. I should have paid the extra grand for insurance without telematics. It's a scam.