While that makes sense it wouldn't help in this situation, you would still have to deal with the other person's insurer when they are at fault and since you are not their customer they don't have to nice to you to keep your business - so they will try to fuck you over.
Get a quote from these guys before going elsewhere: http://www.kiwibike.co.nz/
Also - never give bank or CC details to youi just to get a quote, if they say they need those details tell them to forget it then (there is a thread somewhere that gives details of issues).
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