I took out a policy with Carrot as they were much cheaper than competitors with seemingly less downsides i.e curfews etc. There are very long waits to get through to Customer Support however I have found the advisers I spoke with to be very helpful and polite. I do think it is a little devious of Carrot to advertise that there are no curfews, however you will be severely marked down on your "Usage" score for driving late at night. Overall, I would recommend Carrot to new drivers as the savings are impressive (£700+ compared to non-black box) however I doubt I will renew with them at the end of the policy year as I find their scoring of driving to be intrusive and overall rather inaccurate.