Carrot Insurance is very good insurance and cheaper than all of the others I searched for. The rewards are a very good incentive to drive well. You don't lose points too easily. You'd have to drive quite bad to get a low score. The one reason it is 4 star and not 5 star, is the measuring of usage for the points e.g. it lowers the score for driving multiple times within a short period of time. Carrot also advertised "no curfews", however when I drove later than 11pm my usage score went low for that drive. They are advertising no curfews, but penalised me for this. My box has stopped working after 4 months. It registered two motorway journeys as 8 separate journeys giving low scores and then gave up registering anything. Surprisingly when phoning up to inform of this problem the phone was answered quickly (previously had very long waiting times), but I am still waiting a week later for the company who installs the ibox to contact me. So I now have a lower score due to incorrect driving details, which I have been assured will be corrected. Time will tell.