I phoned my insurers to get a quote on a bike i was going to look at, gave them model, colour, year etc. got the train down south, bought the bike, phoned insurance again, they were shut. Rode bike home, got stopped, got a producer, phoned insurers next day expecting cover to start previous day when phone call was logged, they wouldn't do it!! said i should of got a pin number. wrote a letter explaining all this to magistrates, still got 6 points but only fined £40. Going rate is £200 I believe. It was a genuine mistake on my part. Also got done for carrying passenger on my moped when i was 16.