The insurance is cheap, the rewards are great, HOWEVER, it is like they give you bad scores just to bring down the 'reward' that you will receive on your carrot card. For example, for a few weeks I received a score of +10 consecutively for a few weeks, followed by consistent +4's with speed +10, usage +10 and smoothness -10. Despite me not driving ANY different, this score was inconsistent with my driving and even if I always drive the same and complete good braking distance/not harsh acceleration etc. the score does not usually reflect this which is very frustrating. This is really the only problem but for me is a big problem and lowers my motivation to drive 'carefully' (although I always do despite poor scores here and there. If carrot could give consistent scores that are compatible with the way you drive I would give a 'very good' star stars without a doubt, however this is not the case and as a result I leave a 'poor' star.