I got my bike stolen and had to claim. I purchased an option for 149.99 on top of my policy to halve my ridiculous excess. When I came to claim they wrote this option off, saying g they valued my bike at £600 and my excess was £650. I stated I paid to half my excess but they said it was only halved after the cost of the bike and since they undervalued my bike to make it less than my excess they wouldn't pay me a penny. I also was on hold over an hour and half each time I called them I definitely would not recommend them to anyone, and would certainly steer clear of their half your excess option.