Telematics technology - more commonly known as ‘black box technology’ - comes in the form of a small black box or a smartphone app that you download and set up yourself. If the driver opts for a ‘New Driver’ policy then a black box will be fitted out of sight, under the dashboard. As part of the process Carrot will automatically organise an engineer to fit the box, so it’s professionally installed. If the driver opts for a ‘Better Driver’ policy, then the driver will need to download the app and pair it to their car following the simple in-app instructions.
Once the policy is live, which must be within 14 days of getting a new Carrot ‘New Driver’ car insurance policy for the box or 24 hours for the app with ‘Better Driver’, tracking will be activated. Then, as you drive, the box or app will start collecting data about your driving. The box measures things like acceleration, braking, swerving, and the number and length of journeys that the drivers make. Carrot then take this data and place it into three categories – Speed, Smoothness and Usage – these are then combined to give the driver an overall Driving Style score. It's this score that gives you the opportunity to earn cash rewards every quarter for driving safely and responsibly.