Avoid at all cost, happy to take your money certainly try everything to avoid paying you out. They will even lie. When my bike was stolen told me they were cancelling my policy and not paying out because I told them my bike had an immobiliser which I didn't and my policy said nothing about an immobiliser, tried telling me that my policy stated security devices where unspecified which was an unspecified immobiliser. Repeatedly asked for a copy of the recording which I'm still waiting for. Wouldn't accept that and made a complaint, eventually got the decision overturned and had a total loss payment which was an absolute joke. A brand new bike a month old, straight from the showroom lost a 3rd of its value. Still not happy so been in touch with the ombudsmen who are now investigating. KEEP CLEAR PEOPLE CHEAP BUT AWFUL COMPANY.