Took out a new policy. Only time they contacted me was when they wanted money of me. Not sure what has happened but I called to enquire about something that had happened to my bike (still not sure what happened) that I decided to let drop as the damage to the bike was as far as I could tell was ok after discussing with the Police who advised me that it was most likely vandalism to the bike and not a car hitting it. So, I thought fine and left it alone. Then when I got a new bike and changed it on the insurance, I was told I had to cancel and take a new policy as it was not suitable (loosing 6 months towards no claims). After this I started receiving emails telling me to contact them. Turns out I owe them more money as apparently there is a claim on-going which I am not entirely sure what is happening. After about an hour on the phone I am left confused as to what is happening. I was told at this point that there is an on-going claim towards me! They would not tell me what is happening and I am still not sure if what has happened to my bike. If some one had hit my bike I could have had it looked at properly and had a mechanic do a full check to make sure the frame was not buckled or anything that could be dangerous to ride. When I had it checked the mechanic was off due to some illness and an assistant had a quick glance at it and said it looked fine and suggested I could come back later. But the main issue is the fact that the insurance did not tell me that some thing had happened (still not sure what as they are not telling me!). If I had none at the time I would have taken different steps and a possible claim towards other driver. Not knowing this has cost me money (they could have told me they would have charged me more when I took a new policy) and possibly endangered my safety. To top it off the person I spoke to was rather rude and tried to pin all blame on me. They also encouraged me to cancel insurance which would have left me with out insurance and possibly breaking the law. Overall I am shocked and not happy with the insurance but hey, you get what you pay for...