DISGUSTING.. They have a policy where you lose points for driving bad, which is fine. I have received an email saying I have broken the speed limit, on an A road that suddenly turns into a 40 mph without a sign. Carrot will make you PAY If you want to drive more than your miles you've been allowed. I am paying £3,500 a year, and if i break the limit by 5mph, my points go down, my brakes were having a few problems, so guess what? That reduced my points. Absolutely terrible, I would have rather paid the £5k with admiral or someone else instead. Last time I got a speed notice email when the tracker could have easily shown them that my car was in a garage, getting tested... if you are a young driver DO NOT GO WITH THEM... Save up, or pay monthly and go with a better company...