I have read the reviews but despite the negative ones I wanted to give it a try just in the case of the third party only insurance: bad mistake. The scooter was stolen just after one week of buying it, wanted to cancel the insurance but the police advised me not to, but to inform them about the fact that the bike was stolen. Result: took me three calls (one of which had to be paid by me to one of these 0844 numbers) for hearing that "I did not have a policy with them". "But I received the documents online!!!". Eventually they found it but they were completely non-competent and non-transparent about their policy. Eventually, when asking to speak to a supervisor, they were too busy to do that. Pay a bit more, but go for a more serious and professional insurance company. At least that is what I'll do if I ever decide to buy a new bike. That is what I will definetely do in case mine gets recovered (fingers crossed!!).