Wanted to add a second bike to my policy, which is something I expected to be able to do over the phone as I have with other insurance companies. I called four times and *eventually* the phone was picked up, only to discover that I couldn't get either a quote or add a second bike over the phone, but rather would have to wait for a call back from their 'multi-bike' department. Now I have the inconvenience of likely missing that call back because they will undoubtedly call me when I'm in the middle of work and unable to answer the phone. So far, not very impressed and have only given two stars rather than one because the initial cost was competitive and the documentation came through very quickly. It doesn't inspire confidence for the future if I ever need to make a claim.