They are rubbish. My bike was stolen and they keep delaying any offer. I provided everything they asked for the day after my claim. They then asked for more info including a picture of the garage I usually keep my bike in!!?? Then they asked for proof of NCD from my previous insurer. When I pointed out that this was also MCE they asked for NCD proof from my insurer prior to that!! Rude csutomer service. I'm still waiting for an offer almost 2 months after the theft. This should have been a really straightforward claim. Unless they are MUCH cheaper than other insurers on the comparison websites I would avoid.