Debit insurence have proved to be a good value for money i surer, which cover everything I require. Their customer services have been friendly and helpful. So far I have not had to claim for instead ve for my bike so unfortunately I cannot comment on that. However, I wasn't pleased by the length of time I was given to provide extra details to them (7 days), such as proof of no claims and explanation for an insurence gap as sometimes these things can take time to collect and send. Over all I an pleased with the company and would use them again.