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Carrot Insurance: Car Insurance reviews

View other Carrot Insurance products
3.13
Based on 48 reviews, last reviewed 14th Sep 2026
100% increase in 5 star reviews
in the past 90 days
100% increase in 1 star reviews
in the past 90 days
See only 5 star reviews
6%
See only 4 star reviews
4%
See only 3 star reviews
6%
See only 2 star reviews
10%
See only 1 star reviews
73%

Latest highest rating:

5

"Absolutely brilliant service from start to finish! "Absolutely brilliant service from start to finish! The quote process was quick, easy to understand, and great value for money. Whenever I’ve needed h... Read more Reviewed on: 26th August 2026
Khanny's avatar
Khanny

Latest lowest rating:

1

Don't touch with a barge pole. The policy was cancelled unless I paid a hefty amount to increase predicted miles. I had 7000 miles left on a 10000 mile policy and they predicted I w... Read more Reviewed on: 14th September 2026
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Sara
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About this product

Car insurance premiums can become costly depending on your driving history among other factors. Telematics policies are designed to lower the cost of your premium by tracking aspects of your driving, but how well do they actually shape up? We collect Carrot car insurance reviews to help you make an informed decision about your next provider.

Carrot Insurance was launched in 2012, with the goal of encouraging safer driving with the use of rewards. By installing a telematics box into your vehicle, Carrot can monitor factors like speed and reckless behaviour in order to score your driving. For those scoring higher, weekly rewards are available to claim.

If you’re looking to be rewarded for your safe driving, read our Carrot Insurance car insurance reviews. Policies such as this are ideal for learners, new drivers and even more experienced drivers. If this sounds like you, read our reviews today. Find out if the rewards provided are of value, and how accurate policyholders believe the telematics are at scoring their driving.

Have you had a policy with Carrot Insurance? Whether good or bad, share your experience with our Smart Money People community. How did you find the telematics included with this policy? Did you feel like Carrot scored your driving fairly? Did you redeem many rewards, and were they of value to you? Did you have to make a claim, and if so, how well was it handled? Leave an honest Carrot car insurance review today. Together, we can help people like you make better decisions.

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Carrot Insurance Car Insurance reviews (48)

Don't touch with a barge pole.

1
The policy was cancelled unless I paid a hefty amount to increase predicted miles. I had 7000 miles left on a 10000 mile policy and they predicted I would exceed that. Ridiculous with winter coming soon and less driving planned for that reason. Don't touch this company. They find as many ways as possible to add to their cheap rates so you'll pay as much if not more with insurance companies that seem more expensive. Reviewed on: 14th September 2026
Sara 's avatar
Sara

"Absolutely brilliant service from start to finish!

5
"Absolutely brilliant service from start to finish! The quote process was quick, easy to understand, and great value for money. Whenever I’ve needed help, the team have been friendly, polite, and got everything sorted straight away. No hidden fees, no hassle — I’d 100% recommend Carrot to family and friends. Thank you!" Reviewed on: 26th August 2026
Khanny's avatar
Khanny

Further update from this absolute joke of a company.

1
Further update from this absolute joke of a company. Evidently somebody behind a computer screen 400 miles away knows a road better than someone with actual video footage of the road. On top of this they have now emailed my 18 year old daughter saying they are issuing a default notice and cancelling her already cancelled insurance because we had the audacity to cancel the direct debit on the cancelled policy because we knew these crooks would try to take another payment from a cancelled policy. Please if you are a new driver or the parent of a new driver do not use this company, they will try everything in their power to cancel the policy after taking a large deposit. Stay away corrupt to the core. Reviewed on: 19th March 2024
IJB's avatar
IJB

Do not use this company

1
Updated to previous review on Trustpilot. If you are a parent of a new driver or new driver, under no circumstances use this company.

All they do is take a hefty deposit and then within months cancel the policy for false reasons. 

My daughter received an email to say that they had been notified by the black box of a speed issue and were therefore cancelling the policy. No details of where this took place or anything. 

After finally getting through to speak to someone they confirmed the location as being on a road that had a 50mph speed limit which my daughter was within. The road goes over an underpass where this road is 40mph. On explanation of this the carrot employee said she could see this and would contest the cancellation.

Yesterday at 5.04pm after a number of calls to find out what was happening we received the following voicemail. “Hello this is Charlotte from carrot insurance and I’m calling regarding your policy. Just calling to let you know that the speed has been verified as incorrect and therefore your policy will be cancelled tonight last night at 23.59. Thank you very much. “ This is the exact word for word message that was left. 

How can the speed be verified as incorrect but the policy is to be cancelled. Which then leads it on to when is it cancelled, tonight, last night, who knows as both were said.

From reading other reviews it’s clearly obvious that this company takes a large up front deposit and then uses any means possible to then cancel the insurance.

My daughter’s telematics have always been in green and within the designated range they state including the day of this alleged breach.

Please if you are a parent of a new driver or a new driver DO NOT USE THIS COMPANY, it will only cost you money for a service that is not fit for purpose.

All relevant information and evidence including video footage of the road in question have now been sent to the FCA and relevant legal bodies regarding the process of taking large up front payments and then cancelling polices without a true reason. Reviewed on: 14th March 2024
IJB's avatar
IJB

scammers

1
Had I read reviews of CARROT insurance I would never gone near them.when you want to buy they are there within seconds to answer your call. when there is a problem you can not ( repeat) can not talk to a human and the next time you hear from them by text is when they cancel your insurance and still expect you to pay for somthing they could have sorted if you could have spoken to someone one month insurance ended up costing over 400 and they still want more because THEY cancel it. I will be taking this further. Reviewed on: 31st October 2022
John's avatar
John

DONT DO IT

1
Terrible insurance company Never pick up phone Reviewed on: 16th October 2022
Markand Cat's avatar
Markand Cat

Worse company known to man

1
Absolute shit service one of the worse company’s I could ever imagine can’t do nothing the black box is a pile of wank and lies threw its back teeth, no one get with these unless u wanna be fucked in arse every time u turn on ya car wankers suck ya mum ya dad n ya grandma carrot ya fucking idiots Reviewed on: 14th October 2022
Yagabe Itch's avatar
Yagabe Itch

Disgusting

1
Please do not use this company, you will end paying out of the nose, they say they have sent you messages when they have not, and ask you to upload documents to the dashboard which does not work. They cancel without a grace period and then charge you an extortionate fee when they cancel your policy without warning. Please use a company that is more profession and understanding, biggest regret was using this company and we are £450 out of pocket for a recently passed driver is not good at all. Rude, discourteous, arrogant. Would not reinstate policy despite pleading with them and explaining that it was not my fault and I tried to send them the documents and get in touch with them. Reviewed on: 11th October 2022
MK's avatar
MK

Very Bad, please avoid at all costs

1
May be the cheapest but please do not use this company, you will end paying out of the nose, they say they have sent you messasges when they have not, and ask you to upload documents to the dashboard which does not work. They cancel without a grace period and then charge you an extortiante fee when they cancel your policy without warning. Please use a company that is more profession and understanding, biggest regret was using this company and we are £450 out of pocket for a recently passed driver is not good at all. Rude, discourteous, arrogant. Would not reinstate policy despite pleaing with them and explianing that it was not my fault and I tried to send them the documents and get in touch with them. Reviewed on: 10th October 2022
MK's avatar
MK

Utterly useless

1
would not touch them with a bargepole, cant speak to anyone all live chat and totally inflexible, They might be cheap but it is for a reason, Avoid at all costs Reviewed on: 16th June 2022
seb kayll's avatar
seb kayll

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