My brother worked for AON for over 3 years, it was his job to decide whether or not to pay out on claims. They offered him huge bonuses and incentives to hit his targets so when it came to pay outs they would always find a way of worming out of it.

So if your going with them make sure you declare every single mod mate, even right down to what break pads you have on. They pay people well to find reasons not to pay out so id be uber careful.