The solicitors that they use are useless and not on your side. Had a crash were the other rider crashed into the side of my bike as i was going through a junction. Guy owned up to it as he was undertaking other vehicles when they had stopped for me at the junction. Wrote my bike off and gave me half the value of the bike due to the daft expensive voluntary excess. Solicitors aimed for a 50/50 liability. Now a grand down, no bike and will never trust or use this insurers ever again.
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