... my Wife's second couzen has spent months saving up for the insurance for his first bike. He is only 17 so you can imagine money doesn't flow too freely. Anyways, he eventually managed to save enough to pay the insurance, which wasn't bad at c£600 TPFT with zero no claims on a CBR125 and L plates. The bike cost him £1500, on his step-dad's credit card, and the insurance in place he proudly started riding his bike. He's had it about five or six weeks and some toe-rag stole it. He called the insurance comapny, MCE, and they said, 'You told us the value of the bike is £1500, your excess is £1550 so nothing to pay out thank you for your business' ... maybe not in those words. They are clearly abusing the fact that he is a young man with little or no experience and surely they knew that this policy was worthless when they took his £600. What, if anything can he do about this? He has argued with them, as was suggested by another forum member, that the policy is not fit for purpose but thus far no joy! Your thoughts?