Ladybird Insurance Avis 

I’m writing with good faith In fact I’m in Agony since i took insurance of my car on 03/07/26 with ‘Ladybird Car Insurance Company’ it was disastrous, each day twice I’m receiving email upon email for the proof of ‘No Claim Bonus’ from 04/07/2026 customer team member asking me to submit NCB Poof. Unfortunately i called customer service several times and informed them that i never protected NCB because huge amounts to pay to protect NCB that’s why i don’t have any proof of NCB. I’m driving since 1986 i never protect to waste my extra money. Unfortunately I’m disappointed and on 09/07/2026 after 6/days i requested them to cancel policy and refund whole year amount i paid and customer team told me they will deduct minus £389/ with extra fees cancellation fees of £98 from total amount. Question arises why all this deduction is very higher i never heard this big amount before in my life. And i said to worker you deceiving the driver and he said we are agent the broker.
‘Right Choice Insurance Broker’ i said i didn’t know they are 3/company taking profits from the amount the driver paid. No/3 is ‘Covea Insurance&Co’ which is the main provider of car insurance an i was in Agony, i Pray to God ‘No Driver’ should take cover with Ladybird Car Insurance they are ‘Deceiver’ Also quickly i checked in agreement what’s written within 14/days cancellation fees is£10 and after 14/days period is £32/fees.
Basically i didn’t receive refund from Ladybird instead I’m receiving email for ‘NCB PROOF’
Also i realized Ladybird is a 3rd Party Agent taking profit from drivers and getting richer. This is Completely FRAUDULENT?
How UK Government Excepting Fraudulent Companies Even They Pay Tax To Government This Is Profit Making Game Grabbing Money To Get Richer & Deceiving Drivers.
Also They Deceive To Old Drivers like Me I Will Be Retiring After Few Years!
I Kindly Request TrustPilot To Submit My Review To Media & Pubic To Alert Drivers About Ladybird Insurance Company.
I Kindly Request Ladybird Insurance Company To Refund My Total Whole Year Amount i Paid & Also i Request Piety For Old People For Gaining Profit Not To Do Harassment To Old People Will Be Applicable!

NOTICE
From Their Agreement i Copy & Pasted This Paragraph.

WHEN DOES THE COVER START AND END?
Your policy is an annual policy that runs for a 12 month period. Your schedule will show the start date of your policy. The policy is renewable each year. We recommend that you review and update your cover to make sure it remains adequate.
HOW DO I CANCEL THE CONTRACT?
If this cover does not meet your needs, please tell us or your broker.
If you want to cancel your policy
within 14 days, we will refund your premium for the exact number of days left on your policy, less a fee of £10 plus Insurance Premium Tax; outside of 14 days, we will refund your premium for the exact number of days left on your policy, less a fee of £32 plus Insurance

I was very frustrated with car insurance, but James reassured and explained everything

Excellent telephone manner. Sounded kind and understanding (Ed). To be fair called in a few times today any everyone I spoke to had similar attitude- pleasant experience. So thank you

This is the worst insurance company I’ve ever dealt with. Don’t be fooled by they are the cheapest on comparethemarket.please you will regret it. I got a bad feeling after talking to them and looking at reviews. Too late I gave them £714. Decided to cancel. The insurance had not started still 10 days to go. They charged me £143 to cancel. Cancel is normally £40 to £50 scammers. In my opinion go will second cheapest I will.

It was easy to change details for my car over the phone now happy to keep things legal and operator was very clear on his voice and very helpful due to bad line so thanks

Spoke to James D. Very helpful & professional. Pleasure to talk to. Thanks

She was lovely over the phone
She was so helpful as well
Listen to me
She help me
Thanks to her

I was pleasantly surprised, james was extremely helpful, very much appreciated.

Paul Saunders service was great

Doubled the price of my policy just as I filled in the direct debit form then made it almost impossible to cancel straight afterwards. Avoid.

Absolutely terrible experience with Ladybird Car Insurance.
The policy was advertised as being competitively priced, but the reality was completely different. What looked like a cheap insurance quote quickly became one of the most expensive policies once various charges and fees were added. The pricing felt far from transparent, and I was shocked by how much the final cost increased.
The worst part was when I decided to cancel the policy shortly after taking it out. Despite requesting cancellation, I was hit with substantial cancellation charges and ended up losing my £143 deposit. I found this completely unreasonable and extremely disappointing. There is no such consideration of cooling period. My policy was yet to start in 3 weeks, far before any cooling period, but nothing considered.
Customer service is far from any standard. Felt intimidating.
I feel that customers are drawn in by an attractive initial price, only to discover significant additional costs later. The cancellation fees only added to my frustration and left me feeling that I had received very poor value for money.
Based on my personal experience, I would not recommend Ladybird Car Insurance. I would strongly advise anyone considering this insurer to carefully review all fees, cancellation charges, and policy terms before signing up. There are far better and more transparent insurers available.

Avoid like plague cancelling after 2 months having to pay for full policy they charge forcancellation fee this that fee you will receive no money. They rip you off from left right centre Would not recommend

I would not recommend Ladybird Insurance based on my experience.

I cancelled my car insurance after only three months because I had been provided with a company car and no longer needed the policy. I was shocked to find that they kept the equivalent of nine months’ worth of payments through administration and cancellation fees.

The costs were not made clear enough at the point of taking out the policy, and the whole process felt unfair, excessive, and completely unreasonable. Customer service and administration were also poor, making an already frustrating situation even worse.

In my view, this was a hidden-cost experience and felt like daylight robbery. Mr D Turpin wore a mask — at least you saw him coming.

Be very careful before taking out a policy and make sure you fully understand every possible fee before signing up.

Don't no go near this company they based in East London every thing they do is scamming , if you ask for cancelation they add 100 things for you force you to stay with them , amending cost you 100 to 300£ they are scam

Got an intial quote for £407 via the website and went ahead and paid. Later realised that my NCB was in my husband's name and not mine, despite my not having had any claims in >25 years, so rang them, Ladybird revised the cost up to >£900. Obviously expected a rise but not this much. Cancelled and despite 'cooling off' period still lost £144. They advised my refund of the rest may take 30 days! Got a new policy from AA for £458 (with no NCB). I was left with a bad feeling about this company - they draw you in and then sting you. I will avoid them in future. Sharing this in case useful to others.

Did an on-line quote with Compare The Market and had to phone the branch to check something out. This was with Auto National Insurance.I was then told that the quote didn't include items on the quote. They then re-quoted me with a much higher premium. Upon further investigation Ladybird Insurance had the same phone number. This company seems to work in the same way as Auto National Insurance
DO NOT TRUST THIS COMPANY
Not sure if what you think you get you do

Very bad and rude behaviour
They just cancel my insurance on the same day and detect 170£

Very bad company would never recommend to anyone the are thieves the didn’t gave my money back keep making excuses on the portal they don’t let u make any changes this company is a flop they just take money and do not help at all if u have any problem they don’t do nothing and keep passing u on to other company’s worse people

Louise Mcgregor was very helpful in assisting me with my query and helped me find exactly what I was looking for.”
Great service.