Absolute rip off. Following automatic renewal of my motorbike policy, I have just been charged an additional premium of 40% for "non-disclosure" of my wife's car last year. Of course notification of the "oversight" came just after the 14 day cooling off period so when I cancelled on principle, MD kindly returned 30% of the premium despite 11 months of cover still remaining. The relevance to my securely garaged motorbike to the theft of a car from the street escapes me. Do not go near this company or Europa- as others have said before me, there are much better options out there.