I was in the exact same situation as you... my only option was to go with More Than Smart Wheels but stupidly I just took the opportunity as I had already bought my car and needed to insure it on the day I had passed my driving test to be able to get to and from work.So I will be honest, a couple of occasions I have gone over the speed limit. I was given a warning the first time I did it and so I decided that I didn't want to loose my insurance for stupid driving, so my policy started in March 2017 and in July I got my first warning about speeding. From July until now I have been extremely careful with my speed as More Than are SO STRICT with the speed.Occasionally I go 1/2mph over the speed limit which I immediately slow down when I see this on my speedometer.So in October I received another warning for speeding which did not seem right to me at all as I have been driving extra careful since July. Again in December I received a warning which once again I thought was strange.Now on January 23rd 2018 when I have roughly a month left on my insurance they decide to cancel my insurance leaving me with only 7 days to sort out a new policy if need be.I decided to call them to discuss the matter and my first phone call I was told my most recent offence was 43mph on a 40mph road, then a couple of minutes in the same conversation by the same member of staff I was told this same event was actually 48mph on a 40mph road.I asked if there was anything I could do or they could do, whether that be appeal or review and I was told there was nothing that could be done.I then was talking to my friend and he convinced me that I needed to call them back as I had been given misleading information, I spoke to a different employee this time and she stated the most recent speeding offence was actually 48mph on a 50mph road but I entered a 30mph road and was going 48mph but had been slowing down.I again requested whether there was anyway I could appeal or have something done to review the decision but was again told that nothing could be done.My room mate came home later that evening and he did some research and found out that I am not the first person to have this issue, he advised me to call back a final time stating I am appealing against the decision and want written evidence that their databases are kept up to date with speed limits as well as evidence of the exact locations and times which all of the offences took place, I did so and advised the more than employee that if this information could not be provided I would take it further with the financial ombudsmen.I was finally put on hold as they actually decided now to look into it further, after about5/10mins the employee returned to the call and advised that the speeds which had been recorded on my black box did not look right as speeds were changing rapidly which isnt normal (in her exact words). I was told that More Than would contact the box fitters and they would have to check that the box had no issues. I was advised I would receive a call back within 72hours.I waited 3 working days and still had heard nothing (bear in mind that my policy would be cancelled in 7days so I had only 4days left) I then had to call back again myself and had to wait in a que for about 30-40mins until I could finally speak to someone.I explained everything stated above and advised that I had been waiting for a reply but had heard nothing back. The member of staff advised me that they would chase up the reply and get back in contact with me.I received a call back about 30mins later and was told that the box fitters found no faults and deemed the readings to be correct and so my insurance policy would still be cancelled. Only now after 3days out of the 7days was I advised that there is actually a complaints system which I could have done from the start.I requested to do so and once again have been told I have to wait 3/4days until a manager will be back in contact with me and then the complaint process will take around 8weeks to be completed...This is absolutely ludicrous... firstly the staff have lost all of my trust because I have no idea what speed I was doing or where I was doing that speed as every employee tells me something different. The fact I have been forced to wait the whole 7days just to get 2 responses from them is ridiculous as well, as this just wastes my time when something could have been done during that time and now I have to wait 8 weeks to hear whether my complaint will make a difference but my policy would have been cancelled anyway...