god help you if you have a claim with cn, you pay your money to dublin, your claim is handled in the uk, you then deal with m i s claims in belfast, and from there to a solicitor in the uk, i am speaking from experience because my bike along with 3 other bikes were driven over by a drunk jeep driver in luxembourg, had i been with a o n as my bike was 6 months old i would have got it replaced by a new bike, with c n i lost 4k in depreciation, it happened june 08 and only finalised march 2011, hows that for service. i also lost my no claims and 650 policy excess, i got the no claims back with a big fuss, the other 3 were with a o n and no problems to report. by the way the bikes were parked in a parking area, covered and locked, but they might as well have been in the middle of the road as far as cn was concerned. By the way anyone with quinn if you are travelling to europe check your policy as they only covered ireland and uk, maybe its changed now?