Carrot car insurance

Carrot is a car insurance provider specialising in black box (telematics) policies, which can be particularly beneficial for young and inexperienced drivers.

The aim of Carrot is to encourage safe driving habits using telematics technology and rewarding customers for safer driving.

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About black box (telematics)

Black box or telematics technology comes in the form of a small black box fitted under the dashboard of your car or as a downloadable app on your smartphone. As you drive, data is collected and sent to Carrot who will give you an overall driving score. Telematics technology is used to measure information about your driving such as:

  • braking
  • swerving
  • cornering
  • times of day you drive
  • your mileage
  • your driving locations

It can also be used to help locate your car if it’s stolen.

Split 1

Carrot offers two types of black box telematics policy with comprehensive, third party fire and theft, or third party only cover provided by a select panel of insurance providers including Aviva, Ageas and Zurich.

Their two types of policy are:

1. new driver – a traditional black box policy aimed at new and inexperienced drivers. A black box device is fitted to your car. You can then keep track of your progress and receive feedback via your online personal dashboard. Good driving will be rewarded with weekly ‘Carrot Points’ that can be exchanged for high-street gift cards

2. better driver – designed for more experienced drivers who want to monitor and improve their safe driving skills. The policy features a free downloadable smartphone app to monitor your progress. You’ll receive useful feedback and weekly treats via email for good driving.

What you get with Carrot comprehensive car insurance

Benefits you’ll get with comprehensive car insurance cover from Carrot include:

  • cover for the loss or damage to your car caused by accidental damage, vandalism, malicious damage, fire, theft or attempted theft
  • third party liability against injury to others or damage to their car or property
  • windscreen cover
  • courtesy car while your car is being repaired at an approved garage (subject to availability)
  • black box device fitted for free or free downloadable app depending on your policy
  • weekly rewards

Read the policy wording carefully before you buy, as terms and conditions will apply.

What you get with Carrot third party fire and theft car insurance

A third party fire and theft policy with Carrot includes:

  • cover for fire
  • cover for theft
  • third party liabilty
  • windscreen cover
  • courtesy car while your car is being repaired at an approved garage (subject to availability)
  • black box device fitted for free or free downloadable app depending on your policy
  • weekly rewards

Read the policy wording carefully before you buy, as terms and conditions will apply.

Split 2

Carrot optional extras

Carrot are also able to arrange additional products that can be purchased and added on to your policy. These include:

  • legal expenses insurance – to help reclaim uninsured losses such as loss of earnings, excess recovery and car hire costs if you’re involved in an accident caused by an uninsured driver
  • key cover – to help with costs of replacement locks and keys if your keys are lost or stolen
  • guaranteed vehicle hire cover – covers the cost of car hire for a certain number of days if your own car is written off or stolen and unrecovered
  • breakdown assistance – choose from different levels of cover from roadside and recovery to home start and European cover
  • top-up miles – if you think you’re going to do more miles than your declared annual mileage, you can buy extra top-up miles to add to your policy

Read the policy wording carefully before you buy optional extras, as terms and conditions will apply.

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And if you want to take a look at other car insurance providers that provide telematics insurance, check out our car insurance providers hub.

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