Ladybird Fresh Insurance

Scotty_Dee

Thought I'd share this with you in the hope that you save money which you won't do with this outfit.

Got a quote online at £785 which was competitive so I thought best add my fianc! to the policy if it's not much more to allow her cover for the odd occasions that she might drive my car. At £175 or thereby I thought that I'd bite the billet to get her covered, best that way.

So I've paid the year up front with her coveted at the best part of £1,000. I then receive the email policy which said that my No Claims Discount is not protected which is wrong as with 9 years, I'm clearly not going to search for a quote which doesn't protect it.

Calls Fresh up, gets a pleasant enough person at end of the phone, puts me on hold then come back with that'll be an extra £100. I was livid and felt like cancelling but I just could not be bothered going through the search again and thought that I'd be sure next year to not get caught out like that again.

2 weeks on and I receive an email advising that my other half needs to submit her licence in the correct address. I didn't think anything of this as it turned out her licence was registered to her mums so we didn't think anything further.

Gets the new licence through in her own address, forward to Ladybird and Fresh who come back with "we wouldn't have insured you if we knew she didn't live with you". As they don't have a fianc!/girlfriend option to select, therefore selected partner as that's better than no relation surely? The fact we don't live together full time yet is a non issue in my eyes and as she has her own car, rarely drives mine and has been driving for 29 years with no claims!

Anyway, I said that I'd like to cancel (now 4 weeks in) and they offered me £675!!! I said no thanks, take the named driver off and refund me the £175 pro rata that I was charged to have her covered and their answer was that they have admin costs so I am due nothing.

Scandalous behaviour on their part and only now having read online reviews I notice that I'm not alone in having been ripped off by this outfit.

So please beware of Ladybird and Fresh. The £785 I was quoted became £1,100 and now my fianc! isn't covered to drive, an incredible con.

I'm actually hoping that I have a costly bump in the car despite the £400 excess, that'd be karma and would actually be worth the £400 to see justice served.

Please don't be fooled by the low quotes from cost comparison sites, Ladybird and Fresh will rip you off after you've entered into a contract with them or paid in full like I did - more like paid like a fool!

I'm going to the Ombudsnsn with this as my official complaint to the insurer won't get anywhere as the are clearly a cowboy operation.

Please please please don't let this lot take your money, they are definitely best avoided.

Aylesbury_Duck

Scotty_Dee wrote: »

Thought I'd share this with you in the hope that you save money which you won't do with this outfit.

Got a quote online at £785 which was competitive so I thought best add my fianc! to the policy if it's not much more to allow her cover for the odd occasions that she might drive my car. At £175 or thereby I thought that I'd bite the billet to get her covered, best that way.

So I've paid the year up front with her coveted at the best part of £1,000. I then receive the email policy which said that my No Claims Discount is not protected which is wrong as with 9 years, I'm clearly not going to search for a quote which doesn't protect it.

Calls Fresh up, gets a pleasant enough person at end of the phone, puts me on hold then come back with that'll be an extra £100. I was livid and felt like cancelling but I just could not be bothered going through the search again and thought that I'd be sure next year to not get caught out like that again.

2 weeks on and I receive an email advising that my other half needs to submit her licence in the correct address. I didn't think anything of this as it turned out her licence was registered to her mums so we didn't think anything further.

Gets the new licence through in her own address, forward to Ladybird and Fresh who come back with "we wouldn't have insured you if we knew she didn't live with you". As they don't have a fianc!/girlfriend option to select, therefore selected partner as that's better than no relation surely? The fact we don't live together full time yet is a non issue in my eyes and as she has her own car, rarely drives mine and has been driving for 29 years with no claims!

Anyway, I said that I'd like to cancel (now 4 weeks in) and they offered me £675!!! I said no thanks, take the named driver off and refund me the £175 pro rata that I was charged to have her covered and their answer was that they have admin costs so I am due nothing.

Scandalous behaviour on their part and only now having read online reviews I notice that I'm not alone in having been ripped off by this outfit.

So please beware of Ladybird and Fresh. The £785 I was quoted became £1,100 and now my fianc! isn't covered to drive, an incredible con.

I'm actually hoping that I have a costly bump in the car despite the £400 excess, that'd be karma and would actually be worth the £400 to see justice served.

Please don't be fooled by the low quotes from cost comparison sites, Ladybird and Fresh will rip you off after you've entered into a contract with them or paid in full like I did - more like paid like a fool!

I'm going to the Ombudsnsn with this as my official complaint to the insurer won't get anywhere as the are clearly a cowboy operation.

Please please please don't let this lot take your money, they are definitely best avoided.

So you paid up front without checking the policy details or reading the terms and conditions.

You were charged extra for an extra level of cover.

You misled the insurer as to the exact status of your fianc!e and where she lives which presumably has altered her risk profile. Her licence was registered to the wrong address which is something DVLA can fine her for.

You've had four weeks cover and mucked them around and they want to charge you for the insured period of risk and their administration costs.

I'm struggling to see the grounds for complaint.

Oh, and if you shelling out £400 in excess and more in increased premiums for five years is your idea of karma and justice, you're on the wrong website.

Nobbie1967

I think the lessons here are to make sure you get your facts right when obtaining a quote and that if you take the lowest quote, it is likely that charges for policy changes are likely to be quite high.

I always go with the cheapest quote as I know my circumstances are settled and so I'm unlikely to pay any exorbitant policy change charges. If you are young and changing jobs/addresse/car/partners, it may be worth trading the initial cost of the policy against the cost of policy changes.

I don't think it's worth wasting your time complaining as I don't think the insurer have done anything wrong.

Hong_Kong_Phooey.

They're cheap for a reason.