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Carrot Help Centre

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Cancelling Your Telematics Policy

Cancelling Your Policy

If you/we cancel your policy, and you are due a refund, the way we… Read more ›

Predicted Miles & Top Up Miles

Predicted Mileage & Top Up Miles (TUMS)

We will monitor your mileage on an annual basis and if we suspect that… Read more ›

How We Monitor Your Driving

Installing Your Device (Theo)

Installing Your Self-Fitted Device (Theo)

Carrot Insurance services offer a self-installation device called Theo. The Theo device is a… Read more ›

Hard Fitted

Hard Fitted Device Tab

Carrot Insurance services offer a hard fitted device called The T7. This device requires… Read more ›

Self Fitted

Mileage FAQs

1. How is my predicted mileage monitored during my policy? We monitor your mileage… Read more ›

Cancelling Your Policy

If you/we cancel your policy, and you are due a refund, the way we… Read more ›

Installing Your Self-Fitted Device (Theo)

Carrot Insurance services offer a self-installation device called Theo. The Theo device is a… Read more ›

Predicted Mileage & Top Up Miles (TUMS)

We will monitor your mileage on an annual basis and if we suspect that… Read more ›

Self Fitted Device Tab

Carrot Insurance services offer a self-installation device called Theo. The Theo device is a… Read more ›

Financial help

Financial Help

Do you need help with your financial circumstances? We understand that many of our… Read more ›

Uncategorised

What documents do I need to send?

We need you to send us a couple of documents once your policy has started.

Policy documents

Documents and IPIDs

Policy Documents Click the links below to access and review these documents. Private Car… Read more ›

Complaints

I would like to log a complaint

Carrot Insurance Services will do its best to provide you with a high level… Read more ›

Safe Driver

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News

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Learner Driver

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Well-Being

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Black box

Why Your Black Box is Your Best Driving Buddy

Getting your driving licence is a huge achievement — and with it comes the… Read more ›

Self Fitted Device Tab

Carrot Insurance services offer a self-installation device called Theo. The Theo device is a… Read more ›

Hard Fitted Device Tab

Carrot Insurance services offer a hard fitted device called The T7. This device requires… Read more ›

Quick access to the dashboard

HAVPC Customers only. The dashboard is really easy to access from your mobile phone,… Read more ›

How do I access the dashboard?

As long as you have your email address and policy number to hand, you’ll… Read more ›

What is a black box policy?

Black box insurance or telematics insurance can reward safe driving. Black box insurance is… Read more ›

What is telematics?

‘Telematics’ is just another word for the technology we use to record your journeys… Read more ›

I have a black box policy – how do Carrot Points work?

Carrot points are awarded each week if you achieve a green score (+5 or… Read more ›

What happens to the black box if I cancel?

We don’t continue recording your driving data after cancellation. But if you want to… Read more ›

What do I need to do when the installation technician comes to fit my black box?

Everything you need to know about having your black box fitted.

How private is the data recorded by my black box?

We’re serious about privacy. The data recorded by your black box remains private.

Is there an additional cost for the black box?

No. The device, plus installation and data costs, is included with your Carrot policy… Read more ›

If I have an accident and the black box is damaged, do I need to pay for a new one?

The cost of the a new black box would be classed as a repair… Read more ›

Can the black box be fitted to all cars?

Yes. The installation and activation of your black box is quick and easy, and… Read more ›

What data does the black box record?

The black box records your journeys and information about how you’ve been driving. This… Read more ›

Thinking of joining

What do our customers think about our service?

Click below to read some of our reviews, or, if you’re an existing customer,… Read more ›

Our opening hours

If you need help with a new or existing policy, please contact us. Our… Read more ›

What is a black box policy?

Black box insurance or telematics insurance can reward safe driving. Black box insurance is… Read more ›

A guide to taking out insurance with Carrot

A few things you’ll need to know when taking out a Carrot policy.

Get clued up on these driving tips and rules not many people are aware of

Get clued up on these driving tips and rules not many people are aware… Read more ›

Will I be covered outside the UK?

Yes. If you’re planning a holiday road trip to Europe, we’ve got you covered! Some… Read more ›

Can I get a quote if I haven’t bought the car yet?

Yes – click here to get a quote.

Can I pay monthly?

Yes. You can either pay for your insurance for the year in full with… Read more ›

Why do I need to state how many miles I expect to travel in a year?

Your policy price depends on how many miles you expect to travel. Fewer miles usually means a lower price.

Why don’t Carrot offer cover for modified cars?

No doubt about it, negotiating your first year of driving is tough, and sometimes… Read more ›

Driving Style Score (HAV customers only)

All about your Driving Style Score

Everything you need to know about your scores and how they affect your policy.

Where can I find my Driving Style Score?

If you have a black box policy (New Driver or Private Car Telematics), you… Read more ›

How does my Driving Style Score affect my rewards?

A higher Driving Style Score means more rewards and a cheaper renewal quote for you.

My parents would like to see my driving style info – can I share it with them?

You’re free to share your Driving Style info with your parents, but you don’t have to.

I think my score is wrong. What can I do?

Get in touch! Talk to us on 0208 629 3308.

What does speed, smoothness and usage mean?

Speed, smoothness and usage scores all contribute to your overall Driving Style Score.

How is my Driving Style Score calculated?

If you’re a Private Car Telematics customer, we will install a black box in… Read more ›

What does my Driving Style Score start at?

When your box is fitted your dashboard will show a score of zero. Your… Read more ›

Renewals

Change My Policy: Tips on Mid-Term Adjustments

Bob Dylan once said, “The times they are a-changin”. Change is inevitable, and whilst… Read more ›

When can I expect to receive my renewal invitation?

We’ll send your renewal invitation a few weeks before your policy is due to… Read more ›

How is my renewal quote calculated?

Your price will be based on several factors, including: Insurer prices for the year… Read more ›

I want to renew but my details have changed

Don’t worry! Contact us to update your information. Our team will let you know… Read more ›

Had an accident

How to Make a Claim: Step-by-Step

Accidents happen, but what if you have a car accident and need to make… Read more ›

You’ve had an accident– here’s what to do next:

Stay Calm – don’t panic, accidents don’t always mean a claim is made Be… Read more ›

What is the Claims process following an accident?

If you have an accident and think you might need to make a claim, we recommend getting in touch on our 24hr Accident Line – 0173 274 7100

No Claim Discount

If I cancel my policy, will I lose my no claims discount?

You won’t lose the discount completely, unless you’ve made a claim – but it… Read more ›

How do I get my proof of ‘no claims’ if I don’t renew?

You should receive your no claims proof by email. If you haven’t received it after a few days, get in touch.

Can I earn no claims discount with Carrot?

Yes, and we’ll apply this when calculating your renewal premium.

Named driver

How do I add a named driver to my policy?

The number of named drivers you can have on your policy is determined by… Read more ›

Do named drivers earn their own rewards?

No. Rewards are only available to the policyholder – but remember, any named drivers… Read more ›

Cancellations

Cancellation

Online Form – Carrot Request Cancellation

Can I cancel with an open claim?

Yes. However, if you are due a refund, this will be held back until… Read more ›

Do I have to cancel my policy if I don’t want to renew?

If your policy is set to auto-renew, you can opt out of this at… Read more ›

What happens to the black box if I cancel?

We don’t continue recording your driving data after cancellation. But if you want to… Read more ›

If I cancel my policy, will I lose my no claims discount?

You won’t lose the discount completely, unless you’ve made a claim – but it… Read more ›

What if I want to cancel my policy?

If you want to cancel your policy, please use the cancellation form to request… Read more ›

I would like to log a complaint

Carrot Insurance Services will do its best to provide you with a high level… Read more ›

Driving tips

Think Twice: The Risks of Drink & Drug Driving

Understanding the real dangers of drink and drug driving is vital. Not only is… Read more ›

Stay Focused: The Dangers of Distracted Driving

We get it – your phone is your go-to for everything from social media… Read more ›

Stay Cool on the Road: How to Prevent Aggressive Driving

You’re running late, stress levels are high, and suddenly, someone cuts you off. Sound… Read more ›

Safety First: Music Volume and Seatbelt Awareness

As a Carrot Insurance Services customer, you know the value of safety to yourself… Read more ›

Our Top 5 Essentials for Your Glove Box and Boot

As a young driver, hitting the road is an exciting adventure. Whether you’re off… Read more ›

UK Driving Tips: How to Navigate Motorways, Rural Roads & City Streets Safely

The open road is full of promise: new places, new experiences, and the freedom… Read more ›

Keep Your Car Safe: Top Security Tips

We’ve all been there – a car alarm blaring in the night, making us… Read more ›

Why Your Black Box is Your Best Driving Buddy

Getting your driving licence is a huge achievement — and with it comes the… Read more ›

Beat the Gridlock: Smooth Driving in Heavy Traffic

Whether you’re commuting to work, heading to college, or running late to a party,… Read more ›

The Dangers of Speeding: Drive Safe, Stay Safe

Did you in 2023 alone, speeding was a factor in over half of all… Read more ›

Keeping on top of car maintenance

Keeping on top of car maintenance

Carrot’s top tips for driving in Winter

Road conditions in Winter can be more challenging so we’ve put together some top… Read more ›

What to do if you have a car accident or encounter one

Car accidents do happen — sadly, quite often — and sensible drivers can unfortunately… Read more ›

Driving and hay fever: a young driver’s guide

With mega itchy eyes, constant sneezing, a prickly throat and a nose that never… Read more ›

What to do if you break down in your car

No matter how long you’ve been driving, whether it’s for many decades or just… Read more ›

Get clued up on these driving tips and rules not many people are aware of

Get clued up on these driving tips and rules not many people are aware… Read more ›

Improve your driving skills: Anticipation

Anticipation is really all about reading your surroundings and remaining aware by keeping your… Read more ›

Handling emergency vehicle situations

Imagine for a moment that you’re driving in a big city for the first… Read more ›

Brush up on dashboard warning lights

For all motorists, from the newly-qualified and young drivers we look after here at… Read more ›

A young driver’s guide to smart motorways

All across the UK, ‘smart’ motorways are being rolled out – but what exactly… Read more ›

10 reasons why tyres aren’t as boring as you might think

Okay, they may just be pretty uninteresting black circles at face value, but if… Read more ›

What do you do if you hit an animal while driving?

The last thing on most drivers’ minds when they’re enjoying motoring on jam-free roads… Read more ›