It's an affordable option for drivers - I've just re-insured with Carrot for a second year in spite of difficulties with the app working last year which was a headache to sort out. Setting up the app this time has been a pain once again - the app has requested photos of my car etc. several times now and I'm unable to screenshot the driving license info on the DVLA website through the app. This is the only insurance policy I have been asked to do this for, which I found odd. The app itself drains your battery fast so watch out, as you have to have it charged and Bluetooth enabled to record your journeys! The Wingman is also very sensitive - I sometimes get poorer scores when driving in areas with speed bumps (unavoidable) and the number of potholes obviously lowers your score. Speaking to the advisers via Live Chat is straightforward but I do believe there should be the opportunity to phone up for general queries. Hint: when it came to renewal, I put my info through a comparison website and got a cheaper quote than my renewal quote, so it's worth looking at your options again but Carrot was a mile cheaper in comparison to others.