Ended up on Bikesure insurance services (part of Adrian Flux group) who I have had dealings with before for car insurance. Got a reasonable quote then it got better by not having breakdown cover @£50. So went ahead, when the documents came by email found that accident cover £12000 benefit was an option @£15, and key cover £1500 was an option @£15, these weren't described to me as options when getting the original quote, I thought they were part of the policy. So after having both of those removed as well, the final policy price was £80 cheaper than the original phone conversation! There was also a small confusion with documents which I hope is now sorted. Happy with final price though!