Self Fitted Device Tab
Carrot Insurance services offer a self-installation device called Theo. The Theo device is a solar powered device with a built-in battery that gets its power from the sun. If you are appointed the Theo device through your telematics policy, you will be required to install the device and cradle within 48 hours of receiving. To install the Theo, you will need to attach the device onto your cradle and place the cradle on your windscreen following the instructions provided by ThingCo, the telematics provider.
Installation
- To get started, your Telematics Tracking Device (Theo) will be posted to you through recorded delivery.
- You must install your device in your car and activate it within 48 hours (2 days) from receiving your device. If you are unable to install and activate the tracking device within this time, your policy will be cancelled.
- You will receive set up instructions from Theo on behalf of Carrot, please make sure you follow them carefully as you will need to connect your device to the Better Driver by Acorn App.
- The Telematics Tracking Device (Theo) can be installed into all vehicles.
Things to remember.
- Please do not remove the device from your car unless we instruct you to do so.
- If you change your car, you must keep the device and a replacement cradle will be posted to you. You must reinstall the tracking device in your car and activate it within 48 hours of receiving the replacement cradle.
- It is your responsibility to ensure that any other party who has an interest in the ownership of your car (such as your partner or a hire purchase company) has agreed that the device can be installed.
How We Monitor Your Driving
We will monitor your driving behaviour through your telematics tracking device and look at factors such as:
Time of Day
There are certain circumstances which may lower your driving score as there is a greater risk of potential accidents. For example:
- The period after midnight to the early hours of the morning is the highest risk zone.
- The midweek commuting periods are also high risk based on the potential number of accidents that can happen, if you are also driving this time at high speeds, this will lower your driving score.
Driving Duration
Trips which involve more than 2 hours continuous driving can greatly increase the risk of serious accidents. This can be caused by things like tiredness and lack of concentration. Your driving score will decrease for every trip that you drive for 2 hours or more.
Speeding
Your speeding score is based on the number of times your actual speed exceeds the speed limit specified for road types. Exceeding the limit will lower your score regardless, but exceeding on a country lane will bring your score down more than if you were driving on a motorway, for example.
Eco Driving
Eco Driving can be defined in many different ways. We are measuring this by combining certain driving behaviours (forms of acceleration) into a simple score. You score will be determined by three different behaviours:
- Speeding-up
- Braking, and
- Cornering
Top Up Miles (TUMs)
We will monitor your mileage on an annual basis and if we suspect that you will go over your allowance, we will let you know before this happens to ask you to top up your mileage. You can do this by either calling in on 0208 629 3308 or through our customer portal. The maximum mileage limit for any one period of Insurance is 30,000 miles.
Cancellation of Your Policy
There are some circumstances that you need to be aware of, which may mean your policy will be cancelled. See the below for some of the key terms however, you will need to read your Policy Booklet for further information.
- Tampering/Alterations: If, during the monitoring of data, we suspect that there has been unauthorised interference with your device or any interference with the GPS/GSM signal emitted, your policy will be cancelled. Please refer to the Tampering/Alterations section of your Policy Booklet for further details.
- Exceeding your allocated annual mileage allowance
- Excessive Speeding
- Poor Driving Score
- If we detect that your car is consistently parked away from the declared overnight parking address
- If you remove the telematics tracking device from your car without a prior instruction from us or the Telematics Provider
- You do not have your mobile device with you, or it is turned off during a journey, or the Better Driver by Acorn App is uninstalled.
