I had this with my bike insurance re insured paid in full. I knew i was changing bikes so i got a quote the new bike with them before i re insured my old bike and they said they would insure the new bike for £300.I thought great as it was only £100 more than my current bike.
Sold my bike and bought the new one phoned them up and they said they wanted another £400 from me on top of the £200 that i gave them only a month before. i told them to f**k rite off and to give me my money back but i only ended up getting £50 back better thaan nothing but i learnt not to pay the full amount at once, so i just pay it monthly now.