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I actually looked at some review sites, initially the idea is a good one in that it fosters sensible driving skills and the chance to reduce insurance as a reward, however when I looked into it I found that most people even when driving in a saintly manner are penalised constantly. My daughters friend has this type of insurance and she gets marked down for everything like cornering, driving on roads or junctions that are considered by the insurance company to be high risk, speeding fines (31 in a 30) the fines can be up to 100 pounds a time, driving at night is bad, short journeys are marked down, even if her friend drives everywhere at 20 and corners painfully slowly she is still penalised. reading the many reviews online it seems that no one can win with the black boxes no matter how well they drive, in the end they pay out more in penalties. so in my opinion I feel the low quotes are a con to sucker in young drivers who are desperate to get on the road.