Step 1 Combine zucchini, carrot, onion, cheddar and flour in a bowl. Season with salt and pepper. Add milk and egg. Mix well.
Step 2 Heat oil in a large frying pan over medium-high heat. Spoon 1/4 cup batter into pan. Spread out to form a flat round. Repeat to make 3 more fritters. Cook for 3 to 4 minutes, each side, or until well browned. Transfer to a plate lined with paper towel. Cover loosely to keep warm. Repeat with remaining mixture, adding extra oil if needed.