Simply love to charge young people more than they can afford!
1
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.
Reviewed on: 10th July 2018
