I just go with the cheapest insuerer these days as getting a payout is a no hoper. Bennetts have a poor reputation of poor service, both me and my other half had more touble with them, more than the saving of cheap insurance can excuse and they werent actually cheap. Go elsewhere. Bikesure have had a lot of metion from some, though I've never tried them. I'm with Lynnebrooke who are very cheap and offer buy back salvage and self repair options.