In a pan with the olive oil, sauté the onion and garlic over medium-high heat for 1-2 minutes, until soft and fragrant.
Add the diced carrots and apple and cook for a further 2-3 minutes.
Add the beef mince and stir over high heat until the mince has browned. Use a wooden spoon to break down any large lumps.
Add the tomato paste, jam, chutney, curry powder, salt, beef stock, cloves, Worcestershire / tomato sauce, zucchini and peas and stir to combine. Bring to the boil.
Reduce the heat and simmer for 30 mins, (up to a couple of hours), or at least until the vegetables are cooked through and the sauce has thickened.
If necessary, mix the flour with ¼ cup water. Stir until lump-free. Add the flour to the mince mixture and stir.
Serve over a bed of creamy mashed potatoes, pasta, rice or buttered toast.
