Why do insurance companies make things complecated?

[b1k3rdude]

• why on earth they want you to go and get another MOT for a cat d, seems like they are trying to pass their costs onto you.
  
• explain in a nice way that THEY are the insurance co and it is THEIR responsibility when inspecting the vehicle to ascertain it's condition/value, not yours.
  
• finally, your policy for that bike will cease the moment they send you the cheque as a payout usually ends the contract.
  

• sounds like they are trying to pull a fast one.
  
• If they made you an offer and you excepted, as SLG said they can't start adding on costs after the event.
  
• exactly, so go get insured with someone else after this. Don't forget to keep it off the road in the mean time.