I am not entirely impressed with the conditions set by Carrot. Although Carrot claim there is no curfew, there may as well be. For driving after 11pm, they will score you *-10* for usage. The amount of money you are due to get back is reduced considerably and your rating goes down to 6, and it takes plentiful journey to get back up. This is not made clear before you sign the contract and had it been, then i'd have chosen a policy with someone else. What if i worked night shifts? What if i went to the gym after 11pm? What if I had to go out after 11pm on a daily basis? It's just ridiculous. It's a basically a curfew. Ingenie don't do this to you. On a slightly more positive note, the app is good.