Generally had no problems with this insurer whilst using them for two years (although initial paperwork was not clear and understandable both when I took out initial policy and then renewed for second year) - however when it came to not renewing for a third year, endless hassle! Sold my vehicle with a week left on the policy and was charged an extortionate £75 to cancel my policy. Also wanted £60 to renew my policy with them this year all for their pleasure of keeping my business. Most irritatingly, I’d sold my vehicle and then received further instruction from the third party credit company who I paid monthly with advising they were renewing my direct debit for another years schedule because I’d renewed my policy with Ladybird - when I’d cancelled two days earlier and gave no instruction whatsoever to renew the policy! Rang Ladybird who explained that they had not renewed and everything was cancelled as instructed but they could ‘only assume’ they’d sent the instruction to renew the direct debit following my initial first quote back in January - how presumptuous! This company are really not worth the hassle they’d caused - much better insurers out there who value your custom.