Insured my bike online, websites a bit clunky and when entering card details it timed out so had to enter details again and I then found it took payment twice. Spent best part of an hour waiting for someone to answer the phone to help me out. The spirit crushing recorded messages suggested live chat as an alternative which I tried whilst waiting on the phone but no-one replied and message told me to try again later. Still waiting for the refund of the double payment, will set Visa on them if I have to. Not a good experience so far, did far better same day insuring my other bike with Swinton.