Carrot Car Insurance Review

James Rodriguez James Rodriguez updated on July 31, 2020

This is the ultimate review to guide you through Carrot car insurance.

You might already know that Carrot offers several car insurance policy options.
Some are great, others not so much.

So if you want to get:

  • Better value for money for your car insurance
  • Indicative quotes
  • Tips to lower your insurance premium, then you might love the following article.

Let’s dive right in.

Is Carrot the best car insurance provider?

Getting the best car insurance deal is not all about the price. Indeed, focusing on just getting the cheapest deal might be a bad calculation when it comes to getting a good payout if you ever have an accident.

We’ve studied in detail Carrot car policy terms and conditions and given our own ratings based on different criteria.

3 Safe overall rating for Carrot

Our ratingOur opinion
Customer service & satisfaction

3.3/5 based on 2,089 opinions on TrustPilot
Very active customer care services via live chat
Major access to customer service is only via webchat
No access to policy documents

Cover provided

courtesy car provided as standard with the comprehensive policy
Windscreen cover
£250 personal belongings cover is provided

Value for money

You can earn rewards for driving safely
No protected NCD
Repair guarantee is not provided
High cancellation charges ranging from £35- £70

Financial strength for pay out

Average financial capability

Technology

Technological advancements like Black box option is employed
Live chat option is available
Complaints have been made concerning the malfunctioning of the telematics tracking

Safe rating for Carrot

Expert and customer reviews on Carrot

We compiled expert and customer reviews from independent institutions, to give you an overall idea of Carrot's reputation.

Review organisationConsumer satisfaction rates for Carrot
Defaqto expert rating for Carrot defaqto 2 stars 1
TrustPilot3,3/5 based on 2,089 opinions
Consumer satisfaction rates on reviews for Carrot

To check if Carrot is the right car insurance for you, you can use our free comparison tool and finally compare coverage features, optional extras, excess, admin fees and customer rating without having to give any personal information.

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Our review on Carrot car insurance policy

Carrot is a telematics car insurance broker that was founded in 2012 and it’s main objective or focus is the provision of insurance to young and learning drivers via it’s app and black box options. It provides optional extras like keycare cover, breakdown cover motor legal protection cover. However, the details of these optional extras provided are not given as it is not available on the website. Also, policy documents are not available so the customer care representatives would have to be consulted for any inquiries.

What does Carrot car insurance policy cover?

Are TPO, TPFT and Comprehensive covers available at Carrot?

Car insurance policyAvailable at CarrotCoverage in a nutshell
Third-Party Only
  • Passengers and third party covered
  • Policyholder is not covered for any injuries or damages
Third-Party Fire and Theft
  • Replacement of your car if stolen
  • Damages caused due to theft or fire
Comprehensive
  • Cover third-party fire and theft
  • Covers injuries to you and damages to your car
Car insurance level of cover available at Carrot

Keep in mind that you can always add optional extras to your policy.

Main guarantees at Carrot explained in details

Let's find out what does Carrot covers in its car insurance policy.

Breakdown cover at Carrot

Carrot Insurance offers three level of breakdown cover which ranges in price from £57.50 to £90.
The Bronze breakdown cover can be added to an already existing insurance policy for as little as £57.50 extra and covers you for:

  • Roadside assistance, repair, and recovery for breakdowns including;
  • Misfuelling or running out
  • Flat batteries
  • Flat tyres
  • Alternate sources of transportation in the event the vehicle can’t be fixed on the same day.
  • Emergency overnight accommodation.

For an extra £17.50, the Silver Breakdown cover can be gotten and apart from everything listed in the Bronze cover, it also includes Home Assistance.

For an extra £32.50, the Gold Cover which includes European travel can be gotten.

Keycare cover at Carrot

Carrot’s Keycare cover is underwritten by Ageas Insurance and includes:

  • Up to £1,500 to cover locksmith charges, new locks, replacement keys and an alternate source of transportation.
  • A free Carrot Key fob that must always be attached to your keys.
  • 24-hour emergency helpline
  • Up to 3 days vehicle hire in the case that the car cannot be used as a result of the misplaced or stolen keys. The condition for this however is that the car hire service must not cost more than £40 per day.

Windscreen cover at Carrot

The windscreen cover is included as a standard in the New Driver insurance policy that Carrot offers.

Motor legal protection at Carrot

For £22.40, Carrot provides Motor Legal Protection policy.
The legal expenses insurance gives you up to £100,000 to cover the cost of:

  • Defending a motor prosecution
  • Motor Contract disputes
  • Vehicle cloning

  • Free legal helplines

Personal policy injury available at Carrot

In the case of an accident, and also in the event that within 3 months, the injuries sustained from this accident leads to:

  • death
  • permanent loss of sight
  • permanent loss of limbs.
    Carrot offers the sum of £5,000 per policy year for this cover.

Coverage abroad at Carrot

Abroad coverage is available under the comprehensive insurance policy and this coverage allows the holders to travel through Europe for 30 days. The list of countries allowed includes:

Andorra, Austria, Belgium, Bulgaria, Croatia, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Republic of Cyprus, Republic of Ireland, Romania, Serbia, Slovakia, Slovenia, Spain, Sweden, Switzerland.

Courtesy car at Carrot

If you buy the Guaranteed Hire Vehicle Cover add on, a courtesy car would be provided in the case of a total loss or theft situation. However, a courtesy car is provided in the case that repairs have to be carried out on your vehicle.

No-Claim Bonus (NCB) at Carrot

If you are to have a full policy year with no claims, you would be entitled to a no claims discount.

At Carrot, you can apply for the NCB protection. The NCB protection allows you to make a certain number of claims within a period without losing your No-Claim bonus.

NCB protection claims (number per year): 1 claim in 1 year

A No-Claim bonus is a reward that you get from driving during a long time (at least one year) without making any claim. The more years you drive without claims, the higher your NCB rate gets hence the higher the discount on your insurance premium. 

Carrot car insurance terms and conditions

How much does Carrot car insurance cost?

You'll find below indicative car insurance quotes at Carrot:

Drivers'ageMonthly premium
18 years old£104,52
40 years old £43,10
60 years old£31,78
Quotes above are for a comprehensive car insurance - eco car, clean record driver, Liverpool

Costs of Carrot insurance car policies vary widely based on different factors such as:

  • The driver’s age 
  • The date on which they received their driving licence
  • The type of car 
  • Expected repair costs if the car is damaged
  • The performance, safety and security of the car 
  • The driver’s address and how busy the streets in the neighbourhood are
  • Who drives the car (any additional driver on the policy) 
  • The driver's record of accidents and claims (number of injuries, No Claim Bonus etc.) 
  • Insurance taxes.

The higher risk you represent, the more expensive your policy will be.

Is there any promo codes or discounts available at Carrot?

Carrot offers weekly rewards for driving safely.

For drivers with the new driver's policy, points can be earned which can be exchanged with vouchers.
Drivers with the better driver policy can claim the rewards on the app.

If you want to get a cheaper car insurance policy, another good way to do so is to never auto renew and always compare car insurance quotes.

Save more on your car insurance checking out our 13 tops tips to cut your insurance premiums!

Carrot car insurance policy summarized

Guarantees

At Carrot
NCB benefitYes
Uninsured driver NCB benefitYes
Loss or theft of keysExcess- Not stated
Limit- Not stated
Personal belongings£250
Audio equipment

£250

Medical expenses

Not stated

Liability limit for property damage£20 000 000
Legal expense£100,000
Courtesy car benefit

Optional

Courtesy car cover

Duration of repair

Coverage abroad

30 days

Guarantees at Carrot

Excess

At Carrot
Fire excessExcess- Not stated
Limit- Not stated
Theft excessNot stated
Accidental damage excessNot stated
Windscreen replacement excessNot stated
Young driver excess

No

Excess at Carrot

Admin fees

At Carrot
Interest charged by payment installments

Variable

Renewal fees

£0

Cancellation fees

Cancellation fees during cooling off period: £75
Cancellation fees outside cooling off period: £35

Modification fees

Adjustment fee: £35

Admin fees at Carrot

Other car insurance policies available at Carrot

Carrot black-box insurance

The Black Box option that Carrot offers is attached to the New Driver’s insurance policy and it is more or less a way to promote safe driving. When this insurance plan is activated, a small black box is fitted in the car and it measures data such as car speed, acceleration and breaking, frequency of trips and so on. Rewards are given to the driver weekly based on his/her performance.

Carrot learner driver car insurance

If you’re learning to drive in a friend or family member’s car, you’ll need to be insured. Carrot provides insurance between the time frame of 1-24 weeks.

How to contact Carrot auto insurance?

Carrot phone numbers 

You will find all important phone numbers to contact Carrot car insurance:

Contact numberOpening hours

Customer Service

0333 355 1725

Mon-Fri – 8.30am – 6.00pm
Sat – 9.00am – 1.00pm
Sun – Closed

Claims

0333 355 2990

Lines open 24/7

Black box installations

0121 332 1223

Mon-Fri – 8.30am – 6.00pm
Sat – 9.00am – 1.00pm
Sun – Closed

Breakdown recovery

0333 355 1999

24 hours a day

Windscreen

0800 587 6817

24 hours a day

Contact numbers at Carrot

Carrot other contact details

You'll find below Carrot main contact details:

Contact details of Carrot
Email address

[email protected]

Customer account with Carrot login

My Account

Social mediaFacebook, Twitter, YouTube
ChatbotYes
Contact details at Carrot

You can also contact them by mail by writing to Carrot car insurance:

Carrot Car Insurance
Global House,
Westmere Drive,
Crewe Business Park,
Crewe, Cheshire,
CW1 6ZD.

How to cancel your car insurance at Carrot?

You can always cancel your car insurance policy at any time. However, some fees may apply especially if you cancel it after the 14 cooling-off period after your contract's anniversary date.

Since car insurance is a legal requirement, Carrot as well as other insurers will renew your policy automatically at the end of the policy period without any notification from your side. However, Carrot has the obligation to send you a renewal notice within 7 to 21 days before your contract comes to an end. You will therefore have 14 days - the cooling off period - to cancel your policy at reduced cancellation fees.

For the same reason, if you cancel your car insurance policy, you must sign up to a new one immediately. Find out more on car insurance legal requirement.

You would need to have various documents ready such as:

  • your policy number (right hand corner of your documents);
  • your bank details; and
  • your payment method in case there are cancellation fees.

Carrot could also refuse to cover your car any longer if you don't pay for your premiums within the time allocated, or if they find out that you omitted important information that was required by the company such as your driving experience or you if have committed a fraud of any kind. This act is known as ‘fronting’.