Carrot Insurance Reviews

Ratings based on 32 reviews Last review 1 week ago
1.63 / 5Average overall rating

Carrot Insurance is a young driver insurance broker that uses telematics to reward customers for driving safely. When we launched, we had two goals – to make car insurance more rewarding for customers, and to make the roads a safer place for young d...

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Carrot Insurance is a young driver insurance broker that uses telematics to reward customers for driving safely. When we launched, we had two goals – to make car insurance more rewarding for customers, and to make the roads a safer place for young drivers. New drivers usually have one of our traditional ‘black boxes’, and we also have a smartphone tracking app which connects to the vehicle using Bluetooth.

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Your Carrot Insurance Reviews (32)

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7th June 2019

Do NOT bother

Do not waste your time buying insurance from this incredibly incompetent company. I saved a couple hundred quid by going with carrot but the amount of wasted time effort energy calls messaging I’ve had to put in because THEIR app doesn’t work at all is...

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Do not waste your time buying insurance from this incredibly incompetent company. I saved a couple hundred quid by going with carrot but the amount of wasted time effort energy calls messaging I’ve had to put in because THEIR app doesn’t work at all is a joke and worth so much more than a bit of cash. Pay more to stop yourself going grey - 10000% worst excuse of a company I’ve ever had to deal with (does it even count as dealing with if they ignore you)

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29th April 2019

Do not insure with Carrot - The most unprofessional insurance company in the world

Beware: This company is scamming...

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Beware: This company is scamming people.
They offer low insurance policies then hit you with cancellation notices unless you pay further premiums. My son has had two cancellation notices and two premium increases of £100 and £200 for no good reason.
We tried calling and were on hold for 60 minutes before we gave up. Absolutely impossible to talk to anyone - they offer communication through twitter facebook but will not answer emails.
Cancellation fees are 35% of the total policy.
This needs to be taken further - I would have given zero rating but the review process only allows you to progress with at least one star - very angry and frustrated.

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13th April 2019

Confusing and frustrating

Positives - Great price for the insurance...

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Positives - Great price for the insurance cover.
Bloke arrived on time to fit the black box.
Friendly staff on the phone.
Negatives - takes ages to get through to anyone either using phone or live chat.
the Black box is very confusing - it can give you 10/10 for a journey, then a minus score for exactly the same journey a few hours later. You never know what score you are going to be given by the Black Box and it becomes very frustrating to have driven perfectly only to see a negative score appear on your system. It seems as though the Black box pulls figures out of thin air or makes them up to give you a low score.
You can be threatened with cancellation if you have a negative score for a week, but be offered to sit a test with 'driving doctor' and if you pass, you get the negative week removed from your Record. I received an email from driving doctor telling me I passed, but Carrot emailed me and told me I had failed. Decided to cut my losses and cancel my policy as it was causing too much confusion and aggravation rather than helping me to become a better driver, which was the whole point of the policy. The whole thing prevented me from enjoying having my first car.

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5th April 2019

PLEASE DO NOT USE THIS COMPANY !!!!

We are 4 months into this policy and we are counting the days until it comes to an end. It was the cheapest BUT its a very true saying you get what you pay for. The black box literally makes things up as it goes along. Yesterday my daughter used the...

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We are 4 months into this policy and we are counting the days until it comes to an end. It was the cheapest BUT its a very true saying you get what you pay for. The black box literally makes things up as it goes along. Yesterday my daughter used the car to drive from home to college, 2.4 miles, from college to the gym 4 miles and from the gym home. The useage score out of 10 is 0 and - 0.2 .... 3 journeys, made during day ... not after 11pm or before 6am ( which they don't like despite having "no curfew" ) They will mark you down for speed on a motorway as anything over 50 mph they don't like either, and don't even get me started on smoothness! please, I wish I had read the reviews before parting with our money. I hope to goodness we don't have to claim with them

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5th March 2019

USELESS!!!!

If I could give Zero stars then I would’ve but they were awful, I wouldn’t recommend them at all and would advise you go elsewhere. I spent so long on hold every time I called, I was told so many different things, one of the people I spoke to made me o...

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If I could give Zero stars then I would’ve but they were awful, I wouldn’t recommend them at all and would advise you go elsewhere. I spent so long on hold every time I called, I was told so many different things, one of the people I spoke to made me out to be a liar, the RS company contacted me daily before my policy even started, conned out of £269 for less than a month of insurance. USELESS!!!!

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31st January 2019

Terrible! Worst company ever

They rely on an orange box rigged to an app on the phone. You leave it open as instructed and get data readings so you think all is fine. Then you get a letter cancelling the policy as you’ve had the app turned off WHEN YOU HAVE NOT! ...

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They rely on an orange box rigged to an app on the phone. You leave it open as instructed and get data readings so you think all is fine. Then you get a letter cancelling the policy as you’ve had the app turned off WHEN YOU HAVE NOT!
Seriously bad to get through to, when you do eventually get to speak to someone they basically just call you a liar!
Hide behind the misguided app readings and refuse to accept that it is flawed and faulty!
Costly experience leaving a 20 year Old without insurance for no valid reason (my son). In 30 years of personal driving I have never come across such a shocking insurance company or been made to feel so much like a criminal like this shower made me and my son feel like

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19th December 2018

AVOID AT ALL COSTS

I wouldn’t never ever waste my time giving a company a bad review online but I am literally making sure I stop as many people as possible taking car insurance out with this company, even had advisors on the phone saying I am not a bad driver but they a...

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I wouldn’t never ever waste my time giving a company a bad review online but I am literally making sure I stop as many people as possible taking car insurance out with this company, even had advisors on the phone saying I am not a bad driver but they are still going to cancel my policy and charge me for half the yearly amount of my insurance. I have only had the insurance for 3 weeks and even paid 160 pound deposit which I am not getting back from them, they think it’s ok penalise drivers for driving 31mph in 30 zone or if your need brake sharply at any point when your driving which can happen because of hazards or other drivers etc, I have been driving since I was 18 and I am now 25 never heard anything like it from a car insurance company in my life even Mr Bean would have his policy cancelled by this joke of a company, so unless you want to speak to advisors who don’t have a clue what they are talking about or tell you can’t be over the speed limit at any point or can’t brake sharply because your policy will be cancelled then this is the car insurance for you if not avoid at all costs and it will save you time, money and hassle. So in a nutshell THIS CAR INSURANCE IS FUCKING SHIT DONT GET CAR INSURANCE FROM THEM

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18th November 2018

Avoid like the plague!

I would discourage anyone from insuring with this company - no matter how favourable their prices seem. The ‘better driver app’ purports to accurately score driving but the reality is that it is unreliable and erratic. Carrot will then begin to bom...

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I would discourage anyone from insuring with this company - no matter how favourable their prices seem. The ‘better driver app’ purports to accurately score driving but the reality is that it is unreliable and erratic. Carrot will then begin to bombard you with constant emails threatening to cancel your policy because of ‘negative scores’ with no evidence or explanation as to how these negative driving scores are worked out. My daughter and I bit the bullet after a month and cancelled the policy. This is when you find out that Carrot charge exorbitant cancellation fees as well as 35% of your total premium for ONE MONTH’S cover meaning that we have paid almost 50% of our annual premium for one month’s insurance! This company are (in my view) out to rip off and exploit young drivers and I urge anyone who has been charged over the odds to lodge a complaint with the Financial Ombudsman - I will be. Oh, and to cap it all, expect to be put on hold for at least 40 mins each time you call customer services before you can get to speak to anyone. As the title of my review says, “avoid this company like the plague.”

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15th November 2018

Dog sh*t

Nicest way to put it.... Terrible communication, threatening letters, won't give up no claims certificate, for my new insurance company. Maybe its one of them companies that 'once received payment, they don't give a monkey's. Steer away of corrupted...

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Nicest way to put it.... Terrible communication, threatening letters, won't give up no claims certificate, for my new insurance company. Maybe its one of them companies that 'once received payment, they don't give a monkey's. Steer away of corrupted company.

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3rd November 2018

FINED £700 DUE TO CALLING 3 DAYS LATE RE BLACK BOX!!!!

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Carrot committed Daylight Robbery when they cancelled my 19 year old sons Insurance Policy and retained £700 of our £1800 Premium for doing so!

“Why?” you may ask?! Because he was convicted for dangerous driving? Because he hid driving convictions from Carrot when taking out his first ever policy with them? Because he had criminal convictions?........

No no no…..none of the above – but because he was 3 days late phoning Carrot to arrange installation of his Telematics box. Yes you didn’t read that wrong – Carrot took £700 of his money because he was 3 days late in phoning them to arrange fitting of his Black Box.

My son has recently passed his test and as a family we made savings to enable him to have his first car and as with any other first time driver we had to make savings in order to pay for the costly first time driver insurance policy. He took ownership of this process and after finding a policy with Carrot he took control of administering that policy and of organising the fitting of the Black Box. In the midst of this he celebrated his 19th Birthday and went away for a week. As a result he was 3 days late calling to arrange the fitting.

Do not forget that this was his first time of going through this process – he was learning as he went along. And he made a small mistake. A mistake that he readily admits to and is willing to accept the consequences of.

BUT for that simple mistake they have kept £700 of his money – a few points I would like to make here:

We had paid for the policy in one lump sum – and that payment was taken immediately. They are now taking 5 days to refund the rest of the money.
If we had decided to pay our premium in monthly instalments then they would not have been able to keep £700 of our money – but in this case our money was sitting in their coffers and they decided to keep £700 of it. Where is the sense in the rationale that they have used?! There isn’t any.
They retained 35% of the premium – this is their structured penalty system – so if our premium had been £300 they would only have retained circa £100 – again where is the sense in this rationale? How can this be fair and ethical?
And of course we needed insurance for his car immediately so we had to pay out £1800 again to make sure he was covered – and they took our money very willingly again – despite inflicting such a hefty “fine” on him of £700!

Has anyone else out there experienced Carrot committing Daylight Robbery?

Courts hand out smaller fines for people breaking the law, inflicting damage on property, risking peoples lives with their behaviour – my son was 3 days late making a phone call.

What is the fine inflicted for driving without insurance…£100? £200? £300?............. but my son has been “fined” £700 by Carrot for trying to ensure he was following the law and driving legally.

We will be following this up with the industry ombudsman and taking this matter as far as we can take it as we cannot accept that this is a fair and decent way for a business to operate – it is ethically and morally wrong.

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19th October 2018

ROBBERS DISHONEST AVOID.

Bought insurance for son to be told better driver app would be needed for all named drivers. OK until we realised mine and dads fones didnt have high enough operating systems not explained at beginning what systems would be needed just told an android...

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Bought insurance for son to be told better driver app would be needed for all named drivers. OK until we realised mine and dads fones didnt have high enough operating systems not explained at beginning what systems would be needed just told an android fone.
Called carrot and was told "its ok main driver has down loaded app and underwriters will look at policy and get back to you but it will all be ok".
5 calls I made to them over 10 days asking for update average wait time well over an hour, no contact from them!!! On 14th day I called to cancel as after 14 days if you want to cancel you will be charged 35% of total premium. On this call I was asked why we wanted to cancel and after I had explained he told me " oh yes your policy would have been cancelled and 35% retained by carrot as you didnt follow t&c. I was then told some of deposit would be refunded in 3-5 working days.
Today is 5th day and no refund, another call, another lengthy wait to be told "oh sorry refunds have to be entered into a diary and it hasnt been done you'll need to wait another 3-5working days. I told them its not on, Im lodging a complaint to be suddenly told money will be back in bank today by faster payment method.
I jokingly asked how many call handlers the had saying half a dozen to be told "no we've got 15" hence the lenghtly wait times.
This company should be investigated and clearly know what theyre doung to keep peoples money.
I for one will be continuing with my complaint and urge others to do likewise as its the only way this dishonesty will be stopped.
Clearly a case of YOU GET WHAT YOU PAY FOR and in this case its GARBAGE.
If I could have left less than 1 star I would have !!!!!

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13th July 2018

Absolutely useless

Absolutely useless! AVOID this company they are happy to take your money then cancel your policy and refuse to refund your money! Reported to trading standards! Additionally, they ask you to provide proofs through an app that doesn’t work. Overall, A...

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Absolutely useless! AVOID this company they are happy to take your money then cancel your policy and refuse to refund your money! Reported to trading standards! Additionally, they ask you to provide proofs through an app that doesn’t work. Overall, APPALLING customer service!!!

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11th July 2018

Scam

Had my box fitted a week ago. Logged onto the new driver dashboard to see that my driving score is -9.8 when i have been driving fine! They also log ALL your information so you can see where your car has been door to door. I have now come to find out...

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Had my box fitted a week ago. Logged onto the new driver dashboard to see that my driving score is -9.8 when i have been driving fine! They also log ALL your information so you can see where your car has been door to door. I have now come to find out that your driving score also decreases if you make very short or very long journeys. If i was told that this was a 'medium journey insurance' i wouldnt have bothered. Youre also not able to drive between 11pm and 5am - not great when you work shifts that can start at 5am or finish at midnight. When calling up to cancel i was told "no this isnt in our t's and c's on the website but its on our system" so i am now being charged £260 to cancel my policy which i have had for 3 weeks. Would not recommend to my worst enemy and will make sure i take it further.

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10th July 2018

Simply love to charge young people more than they can afford!

I chose carrot for my son (MY FIRST AND MOST HUMONGOUS MISTAKE) (one he may never forgive me for) as they claimed to be aimed at the young driver with support and guidance through their "black-box" system to make new drivers better, safer...

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I chose carrot for my son (MY FIRST AND MOST HUMONGOUS MISTAKE) (one he may never forgive me for) as they claimed to be aimed at the young driver with support and guidance through their "black-box" system to make new drivers better, safer drivers. 

I have never known before such an aggressive, manipulative, thieving bunch of gits. They have fleeced my son from beginning to end.

Firstly, the poor soul underestimated the miles he would do in his first year while taking out the policy. Which cost him (and me) significant harassment from Carrot over 3-4 months, but moreso, very much in finances too. Only after a great deal of intervention, rhetoric and invective from myself did they even begin to relent in their exorbitant extortion of him.

Carrot's charging structure leaves alot to be desired...... Carrot significantly reduced the premium by adding myself to the policy (although it was categorically stipulated the percentage would be extremely low). Which has always left me with the fear (particularly due to their behaviour over term) should their services be required they would cite this as a reason to renege. 2) Carrot charge for Administrative changes, address, vehicle - COVehicle requires new box £130 circa - COAddress £35, etc. You get the idea.
What irks me most legislation is used when they wish to charge you. You must have insurance if you have vehicle, even if SORN'ed. You should not cancel your insurance for any reason - even if you decide to sell the car or cannot afford to buy a replacement - you should continue your policy. If you changed anything and haven't paid us - you must make the change by law. An example woule be a shockingly terse and punitive call I received today (9 Jul 18), demanding that he pay £35 to do so - this is a direct quote"..... you must pay or we will cancel your policy!" Quoting laws made for them by politicians with vested interests, and shock of shockers: not in the people whom voted them into power.
My final point in summary:- if they can legitamise an immoral charge they will!

Carrot use, like alot of other insurers, Close Brothers to offset the instalments. This leads to: it was them, naw it was them scenario when anything goes wrong. My son, on a very low wage like the rest of us, had a choice - pay Close Brothers or pay the MOT. He chose the MOT - what's the point in having insurance if the old motors a write-off? They were on him like Flynn. "Pay up now" in text, phone calls, emails and letters. I intervened, I was informed it was Close Brothers. So I phoned CB to be told - pay up or we tell Carrot to cancel. So he paid up.

Carrot seemingly don't allow young drivers to drive after ten p.m. I could see some good in this until they penalised him - I WAS DRIVING. I informed them I have been driving for thirty years, a good portion after 10pm and I could not see how their rule could affect me. I was wrong....... direct quote ".... there's more risk at this time of night." asked for example I was blessed with this quote "......an animal could run out in front of you."
Call me old fashioned, but I love driving with the windows down at this time of night. The cool air blowing around me, virtually no cars and even less people. Therefore less risk!

Now he has to change his address and their throwing around threats of cancellation. Carrot and Close Brother have only just had £160 circa off him, his monthly premium and charges for having the audacity to MOT the car. Their thinking being - put the car in the scrappys and pay us for evermore.

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1st March 2018

Gutted that I had to give one star before I could leave a review!

My son took out a policy with Carrot, they used the telematics to cancel his policy for speeding twice in five months, 32 in a 20 and 42 in a...

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My son took out a policy with Carrot, they used the telematics to cancel his policy for speeding twice in five months, 32 in a 20 and 42 in a 30.
He was liable for the full years premium and when offered to pay in instalments was threatened with high court action..

They aren't even that cheap, others are much cheaper.

Shop around and avoid Carrot at all cost..

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22nd December 2017

DO NOT SIGN UP

I would give this company 0 stars if I could. Please seriously think before you pay out for this as it's an absolute con....

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I would give this company 0 stars if I could. Please seriously think before you pay out for this as it's an absolute con.

I had my insurance cancelled after 9 months (from previous reviews it appears i am lucky to get this far). The reason it was cancelled is because I had the cheek to go on holiday and not sign into the god awful app everyday from the Canary Islands. When trying to explain to them that not only would this be costly but also ridiculous they could only tell me 'it's the policy' - perhaps this was partly my fault for not reading the 42 page PDF document but to save other potential customers from making the same mistake I have decided to post this review.

To summarize i would rather s**t in my hands and clap than ever have myself or my family sign up to this absolute scam. Please save your money and go elsewhere.

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30th November 2017

Crooks, thieves, not to be trusted

Worst company ever negative rating, cancel insurance for nothing currently neing investigated check out other companies this is a defaqto 2 star rated policy u wouldnt pay alot of money to stay in a 2 star hotel. Their policy are their to rip off...

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Worst company ever negative rating, cancel insurance for nothing currently neing investigated check out other companies this is a defaqto 2 star rated policy u wouldnt pay alot of money to stay in a 2 star hotel. Their policy are their to rip off drivers and they can't even show u the driving history, told me my son had neen driving erratically when car has been sitting in a garage for 3 weeks waiting for parts to be repaired. Do urself a favour if ur happy to be taken for a mug and get it hard working money taken from u go with carrot, or pay another company a little more to get a great service

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25th October 2017

Not happy.

First year of driving in 2016 was brilliant, I loved that I was FREE and INDEPENDENT; oh no but wait, I had a 'big-brother' watching me.. I didn't mind I guess, I mean black box SHOULD make premiums go down.. instead, ended up getting a very negative...

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First year of driving in 2016 was brilliant, I loved that I was FREE and INDEPENDENT; oh no but wait, I had a 'big-brother' watching me.. I didn't mind I guess, I mean black box SHOULD make premiums go down.. instead, ended up getting a very negative score for the MORE TIMES I used my car, doesn't sound like Independence?

Left after ONE Year, only thing good for them is the NCB.
Second year another Insurance quoted me a LOT less with NO black box.. Lovely!!

Carrot are not worth it.
Find someone better.

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25th September 2017

Better Driver app is useless

Tried to contact them many times about my app not working and had no response. While connected via Bluetooth to my car I received good feedback on my driving in the 10-8.5 range (with 10 being the best score for a drive based on speed, braking etc)....

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Tried to contact them many times about my app not working and had no response. While connected via Bluetooth to my car I received good feedback on my driving in the 10-8.5 range (with 10 being the best score for a drive based on speed, braking etc). Despite achieving this all week my app would show me an overall score of -3.5 for my driving even though all my scores were high numbers. If you get two negative scores two weeks in a row you’re threatened with cancellation of your policy, which they did, and anytime I would contact them via phone I’d be on hold for 25 minutes because there’s hardly any advisors working. Not worth the hassle, I can see why they had the cheapest quote!