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Great to hear that you see the value for money. In our minds we need to make insurance a bit more "tangible". The price we charge is a direct reflection of the amount of claims people put in - and you can't be cheaper than cost of claims. As mentioned before, we are going to introduce incentives for those who take extra care and will offer lower prices accordingly.
user101349
@cake
I've paid full price once. generally hovered between about half and three quarters.
I'm probably also guilty of costs going up as I've had to make a claim, but the entire process was extremely painless and I was very impressed.
As someone who's never bothered with insurance for anything I now couldn't imagine not doing it for my bikes.