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The company will take away discounts from existing clients and then offer to return them back but only if they agree to give up their privacy. They want access to your credit score plus they want to have your driving monitored via your cellphone. All of this is for their benefit but even after you're lulled into consenting they will bump your premiums back up under a myriad of excuses. Firstly, if they discover you operate your vehicle late at night it will increase your rate then suddenly your discounts again begin to disappear - round and round we go. Even your good credit score won't help. Their staff can't even tell you what score you'll need to qualify for a discount....because management won't tell them. So, when they ask you for consent they'll make it appear as though there's definitely a discount pending. You need to challenge them before consenting to anything - you'll then begin to realize that every sentence ought to come with a disclaimer. The company makes changes constantly and the service and products are constantly changing. I returned to my previous insurer because they are predictable. Products are always consistent. I don't want to deal with insurance more than once per year but with Belairdirect it's nonstop talking and having to read up on never-ending changes.