Very hit and miss, been with carrot for 9 months and had a average score of 5.05 from -10 to 10. Due to my car being problematic I decided to sell and upgrade to a slightly more powerful 1.4 ltr golf. All well and good paid for transferring to the new car and hit with the remove the mods before the box is installed or get cancelled. Like what? Because my new car has tinted windows and bigger alloys I must remove them and send back to stock within 2 weeks? No, they know how I drive as the black box has recorded me for so long, but because the car looks different they decide to hit me with the take it off or your getting cancelled. No wonder young drivers can't get cheap insurance these days. Cheaper isn't always better