Avoid like the plague unless you are happy/acknowledge what you are getting. I went direct to them for my insurance quote of £288 but was involved in a non-fault collision 3 months later. They have massively failed for me on 2 separate issues; 1 - I contacted them to inform them of the accident and they explicitly told me I only had 2 options, either go through their solicitors who would charge me a 25% fee for any compensation recovered (even for damaged kit etc) or I could go via MCE themselves which would effect my NCB and would require paying the excess (even though the other driver has accepted 100% of the blame). However, I then found out in a non-fault accident that you could go direct to the 3rd parties insurer - which I did and recovered 100% of my losses with no impact on anything. 2 - When I contacted the insurer to cancel the remainder of the policy and seek a refund, they only gave me back £14 (yes, fourteen pounds) from my £288 policy, despite the accident happening 3 months from starting the policy and my cancellation phone call happening 3.5 months after the policy started. This is because apparently they charged me a £90 "brokerage" fee which isn't technically part of the insurance policy (yet conveniently included as part of the policy price and not clearly broken down), so my actual insurance fee is only £198, they then only give back 37.5% of the insurance policy at the "up to 4 months" point (which I actually think is fair enough), but they then take another brokerage fee of around £30-35 (because apparently charging me £90 just to start the policy just isn't enough) and finally an insurance cancellation fee of around £25. So there you go, they may be one of the big names and they may give you a decent price for the policy, but if you are unfortunate to have your bike written off completely at no fault of your own, be prepared to get almost nothing back from them.