My insurance has never been so expensive in 16yrs of driving, this company was the cheapest I could find and when I was asked for my no claims proof I provided it in time. I was told that there was a claim on my insurance from 2yrs ago to which no claim was issued and I was not at fault. Due to this “claim” I have to pay a extra £160 to ladybirds underwriters!!! Why has car insurance gone this way? I really can see why people have stopped paying car insurance because this Mafia style system is crippling people’s pockets. I really am not happy about this situation and that this “claim” was not considered in the first place as it is on my file for another 3yrs.