This is very quick to join for free legal cover, and lasts for life, and at most you might get one email a year from them so no hassling you.YourKey Free accident support service - motorcycle and car accidents | YourKeyhttp://www.yourkey.info/
I tend to go the other way. My logic isI have to have insuranceI'm not planning to claimI want the lowest possible premium
You can also insure your excess too !!!!So, lets say you opt for an excess of £750 to lower your premium, you can then insure your excess for about £80. Thenh if you are in the unfortunate situation of having to make a claim, you only fork out the £80.Win Win Loads of firms out there doing it now for cars, and the link below is for motorcycle excess insurance.https://www.lexhaminsurance.co.uk/products/excess-insurance/
I will be phoning my current insurer who has increased my price on last year by £60 to £140, and if they cannot match bennets they can foc off.