We know what you’re probably thinking. How can Ladybird Insurance offer such incredible specialist Car Insurance? We’re sure you’ll probably want answers to this, and other questions too, which is why we’ve drawn up a list of some of our most commonly asked questions, below. If we’ve still not answered your question, please feel free to call, or email us.
Please use our FAQ’s below to find the answer to your queries. If your question is not answered here, please email firstname.lastname@example.org (or call us if urgent).
NCB is No Claim Bonus, also referred to as No Claim Discount. You earn NCB by completing a 12-month policy, in your name, without having, or being involved in, any incidents that your insurance company have to pay out for. You can earn multiple NCB’s if you have more than one insurance policy in your name. However you can only use one NCB on one policy at a time.
Call our customer service team on 01527 390 244 and they will be able to process any changes for you. Any changes we make can alter the way an insurance company calculates your premium. Some changes will increase the premium and some will reduce the premium. The charge or refund is calculated on the number of days left on the policy. Please bear in mind that, as your broker, we do make a charge for administering your policy and we may also keep our commission on any refunds. You can view our charges in our terms and conditions which can be accessed here.
If they were within the last five years of your policy start date then the answer is yes, even if they are not on your licence anymore. This is because the legal duty of disclosure for motoring convictions is up to five years.
You can find your insurance certificate and associated documents in our online portal. Click here to access the portal or if you don’t wish to access them right now you can visit the ‘Manage my Policy’ page on our website.
The easiest way is to upload files to our document portal which can be found here. Other ways we can accept your documents are; by attaching digital copies to an email and sending them to email@example.com or by post to our office address which can be found on the contact us page of our website.
It depends on the insurance company your policy is with. Some insurers will cover another car temporarily under the same policy if it is not insured elsewhere. If you need a more permanent solution we would have to issue a separate new policy.
This is requested as evidence for occasions where an insurance company have given a discount for owning a vehicle for a certain period of time.
Your address is an important factor used by insurers to calculate your premium and some companies will want to see evidence of this. We can accept either a utility bill (e.g. gas/water/electricity bill) or a bank statement provided they are dated within the last 3 months.
We might have to cancel your policy if we find that there has been either of the following reasons:
- Misrepresentation – this is where you have provided us with incomplete, incorrect or untrue information.
- Documentation – where you have failed to provide us the requested documentation, this could also result in additional fees or the premium being due.
- Failed instalment payments – where you have failed to keep up with your instalment payments for your insurance.
If you would like to see our full terms and conditions, please click here.