"Happy to get a discount for not driving between 11pm and 5am?"

What happens if I work nights and NEED to drive within those times?

Never mind found it..

"If you do drive during 11pm and 5am you will still be fully insured but you will be charged £100 per night"

Since I do occasionally work some nights a week, I can't see benefits in being charged more than I am being paid for that night just to drive to/from work!

As I understand it, so long as you're parked up at work by 11pm and don't head for home before 5am, it's not an issue.

If you don't, you need to get some nuts and start working proper shifts

With co-op smartbox, I get a stupid quote. When driving less than 5K a year they want £1200, with admiral and elephant it's around 750.

Well it is good that co-op young drivers insurance providing their best. I also appreciate ikube policies too but I would like to tell you that if you can get some good black box insurance companies reviews from net so it will be good for you. Some things little things can make big difference in this insurance field.