Went with carrot insurance because it was cheaper than any other quote. I also felt being a new driver having a box monitoring my driving would prevent be from developing bad habits and to drive less aggressively, which has worked. However something to be aware of with black box insurance I have discovered is how it handles speed. I have found myself focusing too much on speed rather than just maintaining speed with traffic around me which would be safer allowing more focus on hazard perception. Have tried just maintaining speed a few times with traffic around me only to receive a negative score for speed which has caused the focus on speed. Also overestimate your mileage as there seems to be some discrepancy between how much mileage the box thinks you have covered vs the car odometer. Sometimes it thinks you've covered more and sometimes it thinks you've done less than the odometer reading. Another point I think I need to make is about commuting. When I was quoted for the policy I declared the car would also be used for commuting, therefore car would be used during morning and afternoon rush hours which increased the cost of the policy. However driving at these times still negatively impacts usage score, seems a bit unfair to punish me for using my car at times I have declared it will be used for when taking out the policy and paid more for. To summarize, Carrot is great if your young and looking for cheaper policy, however if you live in an area where it is common to drive slightly over speed limits or you want to use for daily commuting you may want to consider a normal policy.