A bit of background to this: I took out insurance with protected NCD from Bikesure. Bike was stolen, all settled and paid out by the end of August. No complaints. Today I phoned them asking for a proof of NCD, which I need for the insurance on the new bike. It went a bit like this - I'm after proof of no claims discount on my policy - Oh no sir, sorry, but the policy is still active. - What? But you paid out after the bike was stolen and never recovered. It was a total write off claim - Sorry sir, we don't have any record of you phoning to ask us to cancel the policy - But I phoned you last week to ask for a quote using the NCD, saying that the policy will have been cancelled automatically. And the person looked up the policy and said fine - One minute sir while I put you on hold ** long wait ** - Excuse me sir, can I ask you wait a bit longer? - Sure of course, no problem ** another long wait ** - Well I can see that you called for a quote, but I have no record of you asking for the policy to be cancelled - But I did mention the policy being cancelled, and if you doubt me you can go and listen to the recording of the call - Yes but you didn't mention using the NCD - But I did, and you can listen to recording of the call now and avoid any doubt - Er.. No problem sir, I can cancel the policy, backdated to date you called Frustrating, but I was lucky I'd called them last week. The lesson is, the next time my bike's stolen or written off, once the claim's settled, call the insurer one more time and cancel the policy.