So my experience with Carrot didn't have the best of starts. You have to phone them up and arrange a black box to be installed which is fine but I was only offer 2 slots in a 14 day period, I wasn't sure I could make the first date and the second I had a funeral to go to but I took the first. I received a text the day before saying it would be in the afternoon which I wasn't able to do so phoned them to advise that was the case. After what felt like a little interrogation as to why I couldn't do it, I then had to make numerous phone calls to get an extension of driving without a box otherwise I would have the policy cancelled. Eventually I had it installed, they are very flexible with where they go to fix it and the engineer on the day was superb and was very quick with installing it. When I've had to speak on the phone, they do have a very annoying 'hold' system as you'd expect though most the staff I've spoken to are genuinely very nice and helpful. I am being bombarded with the same email about 'thank you for insuring, give us feedback' and 'top up miles' which is why I'm doing this review. What others have said about the app and usage score is try, I've found it does reflect my driving well and haven't been penalised for short trips (8-15 mins usually) though I was given a 2/10 for usage at 1am which is fair enough though it was to drive a family member to A&E and I ensured I was safe to drive. All in all fairly happy with Carrot, their app isn't that bad, it does show your scores and I'm on course to earn about £40 back each quarter which is nice. Make sure you do make a correct judgement with your annual mile expectancy though, I seem to have got it spot on with 3,000 but it would be costly if you need to top them up.