Funny enough this is one subject where pretty much everyone is correct and sure fire the feelings to them are justified.
Just got a renewal policy through email. cheeky mofos hidden away some of the changed details THAT THEY DID...like added over double the excess, removed protect ncd, removed pillion cover (this is criminal as i do carry pillions) and some other things...when questioned the operator tried to glaze over that BS....NOT FALLING FOR THAT! SO the moral of things are NOT TO ASSUME ITS THE SAME, go through everything with a fine tooth comb and suspect they will want to screw you over in every shape manageable!!!
this industry really needs to shape and clean up cos if they think its regulated then either these clowns are running round in circles through loop holes or the regulation book is a long standing joke. PS i think its both and more.