What a coincidence, I've just cancelled my policy with Protecta and gone with AA! I insured the Beemer through them when I got it but didn't bother to read the fine print and only found out recently (thankfully not when making a claim!) that my excess was 25% of the sum insured - ouch! Plus they wouldn't allow me to drop the sum insured to reflect the market value - UNTIL the next policy renewal in November! AA can offer a policy for virtually the same price, but with only a $300 excess - yippee!
Hope you're on a bike again soon - but no karate kicking signs to death, it's not a good thing to be doing!
Yes, I am pedantic about spelling and grammar so get used to it!
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