I changed my bike on an existing policy. The new bike was the same engine size and value as the one I already had insured with them. My existing policy had 10 months left on it and I have 9 years NCB. They charged me almost as much to change the bike as I originally paid for 12 months and the new policy is only running for the remaining 10 months and cost almost as much as I could insure the new bike for 12 months elsewhere. They also increased my excess at the same time. If I wanted to cancel the policy and go elsewhere they were going to charge me £50 to cancel, not much less the original 12 month premium. Typical insurance company rip off.