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Carrot Insurance Reviews

Ratings based on 20 reviews Last review 1 month ago
1.85 / 5Average overall rating

Carrot Insurance have set out to make care insurance more affordable. Their car insurance gives you a whole lot more, but costs you a whole lot less. To help dispense with the idea that young drivers are bad drivers they install a 'black box'...

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Carrot Insurance have set out to make care insurance more affordable. Their car insurance gives you a whole lot more, but costs you a whole lot less. To help dispense with the idea that young drivers are bad drivers they install a 'black box' telematics device - their 'i-box' - into their clients cars. Smart Money People is the place for Carrot Insurance reviews. Read and write reviews to help increase trust and transparency in Financial Services.

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Your Carrot Insurance Reviews (20)

Write a review
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..

Write a review
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.

Write a review
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!

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1st August 2017

Young driver policy

The over all price for my car and age atc is okay, still very expensive but a lot better than other for fully comprehensive, lovely customer service the only fault I have is with the app 'black box' it doesn't always accurately record your journey so...

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The over all price for my car and age atc is okay, still very expensive but a lot better than other for fully comprehensive, lovely customer service the only fault I have is with the app 'black box' it doesn't always accurately record your journey so you end up with a bad score sometimes for almost perfect driving which is a little annoying but it's not all the time but other than that good insurer!

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24th May 2017

Rubbish

Stay away from this insurance. Had nothing but trouble with the black box. Always playing up, loosing me money on my rewards and my miles would go up because the box says i had been somewere i hadnt. Bad customer service they say they will ring you...

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Stay away from this insurance. Had nothing but trouble with the black box. Always playing up, loosing me money on my rewards and my miles would go up because the box says i had been somewere i hadnt. Bad customer service they say they will ring you back. Never do. Would never go with these again

Write a review
15th February 2017

Waste of time/money

They cancel your insurance without notification (a few days after taking my money!) and I'm pretty sure this is illegal. When asking why it was cancelled the response was 'You didn't return the welcome pack' (Which I never received to begin with)....

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They cancel your insurance without notification (a few days after taking my money!) and I'm pretty sure this is illegal. When asking why it was cancelled the response was 'You didn't return the welcome pack' (Which I never received to begin with). Would definately not reccomend, as waste of money which I didn't even get back (not to mention I have a baby on the way, so much needed money...) Customer services were rude on the phone and didn't know how to answer my questions just with 'umms'... Also, by the time you pay the deposit etc. you may as well go without a telematics box. The company's way of reviewing your driving is useless... They keep tabs on where and when you go out. I have been with other telematics companies that do not do this. I recommend you go elsewhere for insurance to save future hassel.

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1st November 2016

Disgusting company

Absolutely...

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Absolutely disgusting

I called carrot after receiving a letter to inform me my policy had been cancelled. I was informed they had sent a notification of cancellation 7 days prior to this (I am still to receive this letter). Carrot advised my insurance had been cancelled as I had exceeded my allowed miles, I argued this as I purchased another 2000 miles just a few weeks before changing my car and I have not drove this car very far at all! They were adamant their gps system is correct and I had in fact exceeded these miles around 2 weeks ago (utter nonsense). They agreed to investigate but advised I would not be insured on my car pending their decision (which is illegal). As I told carrot I will be driving my car under the impression I am insured until the issue is resolved. Absolute joke of a company with NO customer service skills. All they want is your money and will charge an obscene amount for any little change to your policy - £150 to change my car?! I ADVISE EVERYONE TO STAY WELL AWAY FROM THIS EXCUSE OF AN INSURANCE BROKER

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29th August 2016

Not as good as first impression

After an initial phone call, I was impressed with what I heard about carrot and, as my quote was only valid for 24 hours, I bought car insurance early. They threatened to cancel my policy as they hadn't fit a black box in my car, because my previous...

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After an initial phone call, I was impressed with what I heard about carrot and, as my quote was only valid for 24 hours, I bought car insurance early. They threatened to cancel my policy as they hadn't fit a black box in my car, because my previous insurance had not ended and thus their one not started and so they could not physically put one in. I had to make several phone calls regarding it only to be told i should have notified carrot i had black box insurance before, which i did in the beginning. Second to that, on the day my insurance went live they told me i was not the policy holder at my previous policy and thus i owed them more money. Several phone calls later, they agreed they made the mistake, however pointing out that they didn't believe i had 1 years no discount as i had not had a licence for a year, completely not acknowledging the fact that you can have insurance as a provisional driver.

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5th November 2015

Good, but can be improved.

- Excellent service: choice of billing, payment, documentation options - everything you can find nowadays (paper, electronic, online, bank account, credit card, etc.), personal online library containing all downloadable documents (from bills and...

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- Excellent service: choice of billing, payment, documentation options - everything you can find nowadays (paper, electronic, online, bank account, credit card, etc.), personal online library containing all downloadable documents (from bills and policy statements to registration cards)

- Regular customer service: late but professional replies from the representatives