Hi Andy, thanks for the review. As firm believers of the n+1 rule, we knew from the start that we wanted to provide an easily adjustable policy to meet the needs of our customers as their bike collections grow (or, dare we say it, shrink!). Knowing how horrible it is to be off the bike, we are also keen to get our customers back up and rolling ASAP should they need to make a claim so, rest assured, should you need to make a claim, the claim process is just as quick and easy!