Young driver insurance that encourages smarter, safer driving
Together, we can make the roads a safer place. See how we can reward you for your driving.
TELEMATICS
tel.uh.mat.iks/
noun. A small device fitted to your car that measures how you drive, so insurers can price your policy on actual behaviour, not just stereotypes about your age.
Car insurance that helps build safer driving habits
Carrot is designed for young drivers, using black box (or telematics) technology to recognise and reward safe driving habits. We help young drivers become part of a safer driving community, where responsible habits are encouraged and rewarded. Black box data means that Carrot can:
- Help you understand your driving and make small improvements over time
- Encourage safer habits that benefit you and everyone on the road
- Reward safe drivers with cheaper renewal premiums based on their overall Driving Score
Six reasons it’s a no brainer for new drivers
Carrot insurance is designed specifically for young drivers, with features that encourage safer driving and could help you earn savings when it's time to renew.
Pay less for your insurance
We reward good driving with discounts at renewal, helping make insurance more affordable for young drivers.
You become a better driver
Throughout your policy, you’ll continue to make small changes that will significantly improve how you drive for years to come.
Easy installation
Our black box is simple to install and set up in your car.
Manage your policy online
There’s no need to wait on the phone for hours. With just a few clicks you can access and manage your policy whenever, wherever.
24/7 claims reporting line
If you need to report an accident, our claims reporting line is available 24/7 to assist you.
No need to be perfect
Everything in the box (literally)
Here's everything you'll receive with your black box (or telematics device) to help you get started:
- The black box itself
- A cradle for installation
- A power bank
Getting started with Carrot with 3 simple steps
Get your quote
It takes just a few minutes to get your car insurance quote. Simply click the button below to get started.
Install your black box
It’s quick and simple to install our device onto your car. Click here for our easy-to-follow instructions so you can get driving as soon as possible.
Drive & save
Once you’re out on the road, drive safely and let our black box do the work. Take care on the roads and you could earn a discount when it's time to renew your policy.
We’re focused on the four things that count
Here’s what we collect and what we’d never touch.
Speed
Are you sticking to the speed limit for the road you’re on?
Eco-driving
How efficiently you drive and how you plan your journeys.
Smoothness
How smoothly you accelerate, brake and take corners.
Time of day
When your journeys take place, whether that's during the day or at night.
What we’ll never measure
You can trust that we will never…
- Use your data against you in a claim
- Use your data to tell someone where you are or what you’re doing
- Release your data to the police or any civil authorities unless suspected fraud or attempted fraud is taking place and we have been instructed to do so by the law or court order
How do I know if Carrot is what I’m looking for?
Just passed? We’ve got car insurance built to help young drivers get on the road with confidence.
Carrot is a great fit if
- You’re a young driver struggling to find insurance that suits you
- You’ve just passed your test or got your first car
- You want to be rewarded for driving responsibly
- You want to keep improving your driving behaviour
- You care about keeping the roads safe for everyone
Carrot may not be the one if
- You want to drive far higher than the speed limit
- You’re not interested in building safer driving habits
Don’t take our word for it
See what thousands of happy young drivers are saying about us.
Quick answers to the usual questions
Can't find what you're looking for? Our help centre has 50+ short articles or use our virtual assistant.
Where can I see all the communications you’ve sent me about my telematics policy?
We'll usually contact you by email, but may also get in touch by phone or text message if we need to discuss something about your policy. We'll send your policy documents by email when your cover starts, so be sure to check your inbox (and junk folder, just in case).
What does validating my policy mean?
Validating your policy means confirming the details you gave us when you bought your insurance. You’ll have a call with our sales team to check everything is correct and to talk you through the key parts of your cover. This helps make sure your policy is valid if you needed to make a claim. If you don’t complete validation within 14 days of purchase, your policy will be cancelled.
What should I do if I change my telephone number or email address?
Please contact us as soon as possible so we can update your details. It’s important we can reach you quickly if there’s anything urgent about your safety, your device or your policy.
When will my telematics device arrive?
Your device will be posted to you by recorded delivery within 24 hours of purchase, so you can expect to receive it very quickly. Keep an eye out because you will receive tracking information from the shipping provider. Give us a call if you can’t find your shipping details!
When should I fit my telematics device if I’ve bought my policy in advance?
You must fit your device no later than 48 hours after your policy has started. Once you’ve installed it, pull out the white tab to switch it on and upload your fitment photo in the Better Driver by Carrot app. If you don’t do this within the required time, your policy could be cancelled.
What should I do if someone else plans to drive my car?
If someone else plans to drive your car, they'll need to be added to your policy as a named driver. It's also worth letting them know there's a black box fitted, as their driving will be recorded too. Because we can't tell who was behind the wheel, any journeys they make could affect your driving score, renewal price and cover. As the policyholder, you're responsible for any journeys made in your car.
How does my driving behaviour affect my score and premium?
Your driving score is broken down into 4 categories: your speeding, your smoothness when driving, the time of day you drive and the duration of your journeys. As an example, you are scored lower for smoothness if you brake harshly and accelerate too quick, as erratic behaviour is very risky.
By having a good score you’ll be on track to receive a percentage off your renewal price.
Ready to join Carrot’s safe driving community?
It takes just a few minutes to fill out a car insurance quote and get out on the road with Carrot.