I don't like this insurer. I took out an insurance policy with them to cover a small bike, payable in instalments. During the insurance period, I passed my test. This had ZERO effect on the premiums I had to pay. I wanted to change to a new bike. That's when I found out that the policy is so deviously worded, that it penalises cancellation of the policy before the 12 months are over. The fee to cancel the policy was much higher than simply paying off the remaining 6 months of instalments in one go! So I called them and enquired about transferring/amending my existing policy to a new bike. The annual premium I was quoted for the new vehicle was astronomical, compared with those I got from entering that vehicle's details and mine onto an insurance brokers' comparison website. In short, a policy from Devitt turned out to be a very bad deal for me, as I passed my test and am still stuck with the policy I originally bought. I can't amend it and I benefit from no discount from passing my test. Any change or termination of the policy results in me having to pay an exorbitant 'fee', written into my contract. I shall not use this insurer again, when my current policy runs out. False economy.