Ladybird Insurance car insurance review

Get the lowdown about Ladybird Insurance to see if this broker that specialises in helping those who are young, or have a sketchy driving history, can find you the best deal.


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Ladybird Insurance car insurance

Ladybird Insurance promises to find you a tailored policy regardless of your driving history.

Who is Ladybird Insurance?

Ladybird Insurance is a broker that specialises in car insurance and is part of Fresh Insurance Group, which was established in 2002.

The broker originally provided insurance for female drivers only. But after a ruling from the European Court of Justice in 2012 banned insurers from using gender to calculate premiums, Ladybird Insurance began offering insurance to both men and women.

Since then, Ladybird has offered insurance for higher risks, including for high-performance, modified or imported cars and to learner, young or convicted drivers.

What are Ladybird’s levels of cover?

Ladybird’s Insurance Third party cover

Third party cover is the minimum level of cover that is offered by Ladybird Insurance. All drivers in the UK are legally required to have at least this level of car insurance to be on the road. If you are responsible for causing an accident, you’ll be protected for damage to third party vehicles or property. Though it won’t cover any damage to your own car. Don’t assume this is the cheapest option because it offers the least protection. Check each cover level to see which offers the best value.

Ladybird’s Insurance Third party Fire and theft cover

You’ll get the same level of cover as third party but this will also provide protection against any fire damage or theft of your car.

Ladybird’s Insurance Comprehensive cover

This is the highest level of cover on offer and will give the same protection as the other levels as well as insuring your vehicle against accidental damage and vandalism. It’s always worth getting a quote for comprehensive as in some cases, it can be cheaper than lower levels of cover due to the risk profile of customers who choose those.

What is covered under my Ladybird Insurance policy?

The specific benefits to your insurance policy will vary depending on the level of cover you choose and the insurer that is able to provide the cover through Ladybird Insurance. Check your policy details carefully to ensure you have the right cover for your needs.

Optional extras

Ladybird Insurance offers extras including:

  • UK breakdown cover
  • European breakdown cover
  • Windscreen cover
  • Excess protection
  • Key cover
  • Legal cover
  • Accident management service
  • Uninsured loss recovery service

General exclusions

Any cover arranged through Ladybird is likely to become invalid if any of the following arises:

  • You are paid to carry passengers.
  • You fail to pay for your premium.
  • Your car is being driven by an unnamed driver on your policy or by a person that does not have a valid driving licence.
  • Your car is used for rallies, races or competitions.
  • You change your car during the policy term to a car that the insurer cannot cover.
  • You do not provide the correct documents to support your application.

Check your policy for further details to confirm your cover is valid.

How to save on your car insurance policy through Ladybird Insurance

  • Check comprehensive. Contrary to what you might expect, comprehensive cover can be cheaper than third party (TP) or third party, fire and theft so it’s always worth checking. This is because of the risk profile of many people who get TP.
  • Park securely. Cars kept in a garage or on a secure driveway are usually cheaper to insure.
  • Reduce mileage. If you start working part-time or your long commute becomes much shorter, letting your insurer know about a reduction in your mileage could result in cheaper insurance.
  • Increase the excess. Agreeing to pay a bigger voluntary excess could make your overall premium cheaper. But remember that your insurer won’t pay out for a claim that costs less than your excess. So be careful about making it too high, as it could leave you out of pocket if damage occurs.
  • Pick a smaller car. Choosing to drive a small and safe car is likely to lower your premium.

What is my excess?

Your insurance excess is the amount of money you have to pay towards a claim. Your insurer won’t pay out for a claim that costs less than this amount.

A voluntary excess is normally an amount set by you when taking out a policy. You’ll have the option of adding or increasing a voluntary excess, which could in turn reduce your premium.

Meanwhile, a compulsory excess amount might vary depending on the age of your car and your driving experience.

You’ll find details about any compulsory or voluntary excesses in your policy document.

What is the claims process for Ladybird Insurance?

You should call the Ladybird Insurance claims line on 01527 758 352 to report a claim. This is an out-of-hours number that you can call if you are unable to get through to your insurance provider’s own claims line, which should be listed on your policy document.

You’ll need to have your policy details and all the facts about the incident in order to make a claim. And it’s vital that you let your insurer know about an incident as soon as possible, even if it’s not your fault. Failure to do this could result in a rejected claim later on.

Frequently asked questions

The offers compared on this page are chosen from a range of products we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations), aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When making a big financial decision, it's wise to consider getting independent financial advice, and always consider your own financial circumstances when comparing products so you get what's right for you.
*51% of consumers could save £264.64 on their car insurance. The saving was calculated by comparing the cheapest price found with the average of the next four cheapest prices quoted by insurance providers on Seopa Ltd’s insurance comparison website (based on representative cost savings data for November 2019). The savings you could achieve are dependent on your individual circumstances.

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