very sharky practices when trying to change my bike near to the end of the policy. told me to ring back within 1 calendar month of the policy expiry to they could do an 'early renewal' and 'not lose my NCB'. questioned why i would lose my NCB in any case - was fobbed off and told to ring back. rang back 1 calendar month from renewal to change bike - was told i would get an early renewal. was also told that cover would be granted from 1 month prior to renewal until the next years renewal date. despite getting a years NCB and additional experience my 'renewal premium' was dearer than previous year. when i inspected the documentation i had been sent I noticed that they had charged me a £288 'administration fee' in order to inflate the premium back to what my first years monthly payments were AND the renewal date was then dated from the month earlier date for 12 months and not from when the actual policy renewal was due. Thereby costing me a months cover. WATCH this early renewal offer - its a scheme so they can inflate their sales figures, charge ridiculous fees and overlap policies to cost customers cover. I will be raising this with the FCA and the Financial Ombudsman.