Rather than derail someone else's thread with this ...
I recently (Nov '07) renewed my bike insurance and changed from eBike to MCE (because they gave me the cheapest quote).
I phoned them up to change my address on the policy and to inform them that the bike would now be kept in a locked garage overnight rather than "on private property" (side garden path), expecting them to say "ok, that will reduce your premium by £x".
What I wasn't prepared for was this:
"Ok, you'll be pleased to hear that there is no affect to your premium, just an admin charge of £40".
Is this the norm?!?
I've cancelled my policy, because of the nature of my work, I could have a couple of address changes each year, and I'll be buggered if I'm being charged £40 each time
I even spoke to MCE's Customer Services and asked why the admin charge was so high to simply print a piece of paper (or several pages for the entire friggin policy) and post the damn thing!? Their response was complete and utter bo||ox ... "It's an admin charge dependent on the area you live in".
Why should that matter?!?
So I'm now shopping around for new insurers