Absolutely infuriated! Had 3 days on their insurance. Within the first 2 days I was told to get in contact with them through the phone to activate my policy otherwise it could be cancelled or cost me more, but I couldn’t get hold of them for two days - so they have awful waiting times on the phone. Then after looking at these reviews I decided to cancel with them (I should have looked at the reviews before) but after a lengthy wait on the phone they have charged me £86 for the 3 days I have been with their insurance so I do not get a full refund despite me cancelling within 14 days. Then I have been told that I could be waiting up to 30 days for a refund (which the other reviews have said it does take them the whole 30 days). So not only do they take your money instantly from when you first apply for the policy, they then take a whole month to refund it to you, without a full refund! I would highly recommend that you don’t get Ladybird insurance but if you have any reason to cancel, do it sooner rather than later!