Had a policy with them on a CBR 125, provisional license. Over halfway in to the policy and I’m getting a new bike after passing the full bike license tests, so I call to ask for costs on moving the policy over to the new one.

After 10 minutes on hold, get told “Underwriter says no, and doesn’t give a reason”, then they cut the call on us.

I wondered if it was due to the provisional license entitlement as I hadn’t yet updated them - costs are about £35 admin fee per policy change bear in mind so you’d want to do any changes all at once - so I called back to request just a change of license on the current policy. Get told “Underwriter says no to the new terms on the existing policy” and the call gets cut off again when I start asking questions on what to do now.

Call back a third time, state what’s happened so far and miraculously this time the call doesn’t cut off. Get told “you have 7 days to resolve the incorrect license issue on the current policy” or they’ll cancel it on my behalf (which if done by the insurer is a massive negative disclosure on your file that sticks around forever).

Get put through to the cancellations department to cancel it because there’s no way I could drop back to a provisional license entitlement, lost those months towards the year’s no claims bonus. Didn’t need to pay to cancel, got a 5er refunded for the current month(!). Now have to SORN the 125 immediately and move it by van to the dealership, good thing it’s owned outright and not a finance bike with compulsory insurance!! Seems there’s a reason them being the cheapest on the market, buyer beware.