I'm assuming this must be a caveat with the PCP deal. All the insurance companies you mention will take yer hard earned £. You need to speak to a human and preferably one who knows what they are doing. I have been insured with 3 of those you mention over the years (no loyalty, its not worth it, you can take your no claims discount anywhere) I'm now with bemoto who beat every quote I had. Not saying they are any better to deal with however, I don't wish to find out. Please speak to a person, then again.........I spoke to a clown at Bennetts who wanted to to know the engine No, Frame No etc. (I was after a multi bike policy) I just hung up and then called them again and spoke to someone different, who only wanted the make, model and reg and insured from.