NO STARS. They have no idea what they are doing, only wish I had read reviews before taking out a policy - 'We care about you and you bike' is what you listen to while on hold. Do not take out a policy online if you are under 18 and via their finance route as they will take your money and then say sorry we are not allowed to do it on finance even if your parents are paying, but you will only find this out if you ring them, which I did as needed to change bike details, they wont send you new documents and you will have to chase them. Then when you complain they send you a letter of apology saying yes its our fault, here's a small refund (but out of pocket by £138) and you can go to financial ombudsman if you are not happy. Which of course we will. They will also keep you on hold while they keep asking their team leader for advice. You have to ask them to repeat things as the two people i spoke to do not speak clearly. Time enough to write a review while you are waiting (one hour on phone) !!!