The one we are looking at has no curfew. I believe they check you stick to speed limits, don't brake excessively or accelerate hard. If you drive well then you can have a 10% reduction in your payments, likewise bad driving increases your premium.
Yes pretty much the same, they look at breaking, accelerating, cornering,speed and time of day. He has no night time curfew but is rewarded for not driving to often past 11pm. Like I said he has been rewarded with a 48% discount fir good driving but he realises it can also go the other way if he becomes a boy racer !