Carrot Insurance is very good insurance and cheaper than all of the others I previously searched for. The rewards are also a very good incentive to drive well, also you don't lose points too easily, you'd have to drive quite bad to get a low score. The one reason it is 4 star and not 5 star, is the measuring of usage for the points e.g. it lowers the score for driving multiple times within a short period of time, but also Carrot advertised "no curfews", however when I drove later than 11pm my usage score went low for that drive. They are advertising no curfews, but penalised me for this.