Please read this review. Personally, I do recommended Carrot to young drivers and people with a lower income, but make sure you pick your policy right. Calculate the miles you need, then add an extra 1000, just for safety. I am giving Carrot a 3. I have not had a single problem with them. I had a very serious accident in my 2012 Corsa with my previous insurance company and only being 17 I struggled to find somewhere with cheap insurance. Everyone is drew into Carrot insurance as the price is so cheap, but there are some hidden charges. I am only in my first quarter and the box predicts i am going to go over 8000 miles. It's £150 per 1000 miles, which I feel is a lot of money. They say 'no time curfews' but if you drive between 11pm and 5am it does mark your score down. You can also only make 7 journeys a day and can't drive longer than an hour if you are trying to improve your score. Overall, I think Carrot is great, I like the idea of having my score whenever I want to see it and it's cheap (which is always a bonus) and you get rewarded on your driving. If you check your score on a computer you can also see how to improve which I think is great!