Bike Insurance

It certainly seems like it is worth putting everything in writing yourself at the very least. I've had a few telephone conversations with financial people of various kinds where employee A says one thing and employee B says the exact opposite. If you can't get them to send you a letter stating what they say on the phone, you can write to them and basically say 'you said this on the phone, will you please confirm in writing'. And if you don't get a reply, take your business elsewhere.

Hindsight is a wonderful thing! If I could turn back the clock I'd have done a whole world of things differently. Certainly though with insurance companies you need to cover yourself at all costs - slippery bastards!