Having taken out comprehensive insurance which cost me a little over £80 my circumstances changed 16 day's later when i sold my bike, when i phoned to cancel my insurance i was charged £25 for the days that i had been insured and a £50 charge for canceling my policy plus another £5 so in total i basically paid out the amount that my original insurance cost for 12 months but only had the policy for 16 day's, that's a win win scenario for motorcycle direct and left me well out of pocket and on top of that i was told i had paid a fare price !!! Gutted, so if you are going to use motorcycle direct "Read The Small Print "