Could using a cost cutting App be INVALIDATING your car insurance?
Carrot Insurance’s Better Driver App is a mobile app which aims to make insurance policies more affordable - particularly for younger drivers.
But now the same motorists who were trying to save a few quid could find themselves in complex financial and legal waters. A fault with the app could see some or all of their insurance policies cancelled by their providers.
Carrot Insurance’s Better Driver App works by using your phone’s data to measure things like speed of travel, journey length, rapid acceleration or sharp braking - but its detractors claim that it often fails to work properly or records data wrongly - invalidating the findings, and potentially the policy.
Better Driver is meant to operate similarly to a ‘black box’, rewarding sensible, safe drivers with cheaper cover - but amping up the price for those who frequently accelerate rapidly or brake too harshly.
It’s a great idea in principle - younger motorists often pay over the odds for their cover because of assumptions made, rightly or wrongly, about their probable driving style. Schemes such as this allow motorists to be judged on their own driving, rather than stereotypes.
The potential problem here, though, is that while ‘black boxes’ are fitted to the car, Carrot Insurance’s ‘Better Driver’ app relies solely on GPS and Bluetooth - meaning that if your phone dies or your signal drops, the information it records could fail to be accurate.
More than 20 people have told the BBC that they’ve had their insurance policies cancelled because of problems with the app.
In a statement, Carrot Insurance stated that when the issue became apparent in April 2019: "we acted as quickly as possible to put things right and prevent anyone else experiencing similar problems or being disadvantaged in any way.
"We are continually developing and improving our technology to provide the best possible products and services for our customers."
If you’re looking to get the best deal on your car insurance, don’t take risks with third party apps which could let you down. Head straight to A Spokesman Said, and search for the best deals for you.
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