Just get a free flowing sports cat.

insurance companies are cunts and as the industry continues to try and cut costs due to crash scammers and the uninsured, you bet thier bottom dollar that they will be finding more and more obscure reasons not to pay out or to reduce available cover to make the insurance worthless.

look whats happened to winsdcreen cover, wasnt massively abused, but seen an easy target to save cash.

Look at "agreed values" policies dissapearing from many mainstream companies and now mostly only with specialist brokers and companies. isnt due to massive poor claims histories on "agreed value" policies, but just another product they can bin to save costs.

Theyve got us by the short and curlies so unfortunately you have to play the game or you will come out worse off.