Sorry to hear about your experiences with them, it really sucks after an accident / theft you have to put up with more crap to sort something out that wasn't your fault. Regarding the above, I was at the Carole Nash motorbike show at the Excel centre a couple of years aback and was chatting to the guys at the Harley Davidson stand, notably the guy who deals with insurance (both for test rides and those OTR deals that include insurance) and he said that 26 companies won't even touch London postcodes anymore and most of the other ones will hike the prices up to a "we're quoting you but you'd be a fool to take out insurance with us". For example, when I got my bike 3 years ago my options were MCE approx £680 3PF&T, Carole Nash who were over 3k if I recall correctly and possibly bike sure who were around the same as CN. I have a garage, 3 years NPB and the best I got this year was 3rd Party only.. oh actually I have the quotes email! Here you go! There are of course factors such as "you're an idiot to buy a sportsbike in London and we're gonna shaft you for it" but I am part of a London riding club and a lot of people have seen premiums go through the roof the last few years - certain postcodes you won't get cover if you don't have a garage (because obviously everyone in London has access to a garage ). Not being deliberately obtuse, just mine and other London bikers first hand experience