Carole Nash for me, just started on bikes again this year. They were the only ones to insure me in "Non" EU countries. So i guess It also depends on if you are planning to take the bike abroad, if i was to stay in the UK my quote was going to be half the price but as i was going abroad it shot up. The other factor was Carole Nash do not give time limits on how much time i spent abroad where as other companies do.