I only gave this company a 1 because there wasn't a minus option!! Absolutely shocking experience!!! I wish I had read the reviews before I insured my bike as I would have thought twice. Yes they are cheap but there is a reason for that. They don't deal with your calls, it costs a fortune to ring them, they don't respond, they drag their heals, they request the same information over and over again, they still take your monthly payments and your insurance will be void if you don't continue to pay despite not having a bike, they reduce your overall pay at the end by the full year's insurance no matter how long you have had the bike, they reduce it by anything they can i.e. if you don't have the full service history at the exact time they deduct 10%, you have to repeatedly chase them and getting your money is like getting blood out of a stone! Oh and when eventually you do get a settlement which is not anywhere near what you paid, you don't get your money for months! If you had finance on a bike with this company and something happened you would never get the money to pay your finance off no way! I am not someone who regularly writes reviews but I was so appalled by this company I just had to let other people know how shockingly bad they are before they too suffered the same completely unacceptable service that I received. SHOCKING!