Easy to get insured on, money back for good driving is good.. The only problems i had is when it came to fitting my black box they said they couldn't do it because of the stripe down my car. The installer refused to install the box even though i had paper proof from my cars manufacturer that the stripe was standard and that it came out the factory with it. i received an email two days later that they was going to terminate my cover, after an hour of being on hold and after a heated conversation they accepted the stripe as a modification and disregarded the letter from the manufacturer.. meaning next year my insurance with them will be higher... If you have a decal that came with the car when it was built stay away from Carrot as they wont care and will class it as you modifying the car.. :/