Updated from earlier. Rep from Bike sure replied promptly to my complaint - could not reinstate the contract because it had been cancelled 10 days earlier. I set up another contract with them, they dismissed the cancellation fee (which was unfair in the first place). 60% of the contract fee was returned in total. I accept partial fault for not reading emails but the fact that they cancelled my service and left me driving my bike uninsured without making an effort to know that I am aware of the situation is very poor, illegal and very dangerous. 3 stars is based on policy coverage, value and ease of communication despite this mess, I think they are a reputable company, just make sure you abide with all their conditions and check they have received the supporting info.