Really happy with the insurance, the black box fitter was really friendly and had a good old natter with him when he turned up. The app is really easy to use and I've never had an issue with functionality. The team at carrot are extremely helpful and friendly, not had any reason to ring (bar box figment and buying the insurance) so I can't comment on any other service. The only down side is that you get penalised for driving late at night, for more than an hour and making more than 7 trips in a 24 hour time span. Also, I've had some pretty interesting scores come back from the box, ones I defiantly don't agree with and know I haven't attributed to! (Yes I am the only driver). Still yet to try out the card, I'm sure my girlfriend will throughly enjoy our next shopping trip, and so will my bank!