Had my bike stolen 4 weeks ago still no pay out its my fault it was stolen there telling me because the law let's them say that !!!!!! MY FAULT MY FAULT i lock it alarmed it and disk locked it which i always do no matter where i leave it and re insuring will cost 1000 never had a claim my policy was 125 pounds fully comp they don't tell you that you have to.be investigated for fraud by a company called exam works a third party company for 20 mins to explain what you've told the police the police who are the law !!!! even though I rang police 6 times 4 mins after being stolen who gave me a crime number and said they would look out for the bike but were busy so may be 7 days or longer !! also have been checked cc TV from premises and spoken to people to check if they saw anything they treat you like the criminal I'm going to the insurance ombudsman now and the police as there committed fraud to me and many others on here taking your money then giving you the run around and excuses not to pay you out be warned do not USE!!!!!!