Choosing carrott was not only a cheaper option by approximately £500 but the black box has made me very concious of my driving score. Whilst some people may be put off by the black box you can monitor your score using their app and can earn cash rewards. Unlike other loyalty cards this card is effectively a mastercard which can be used in a number of high street stores and for petrol etc. The only negative I would say is that the 'smoothness' rating on the app seems to not understand the difference between 'jolty' driving and being stuck in traffic. I would recommend this to anyone, especially new drivers I have had this insurance for just over 6 months and am on course to earn £40 this quarter after receiving £39 in cash rewards previously.