Extremely advise not to use ladybird insurance. 1, Hidden broker fee £30 2, Option to say how long you have had licence in years but then they charge you cause the month is out @£145 fee. 3, They say no excess but when my policy was explained it was £500. 4, Policy come through with NCD not protected when I always select, called ladybird up and they said sorry sir we made a mistake! Tryed it on again! 5, to cancel policy in first 14days is £55 (or £75 after 14 days) and on top of that they said cover was £70 for 4 days insurance so bascily they have you over a barrel to leave! DONT USE THIS COMPANY I will never again!