| Had the same issues, was with carol nash for my bmw, just renewed it wanted to add my st4s onto the policy.
It would of cost far more than expected if I had added another bike on to that policy. So after some advice end I cancelled carol nash, made a loss and got a refund.
Then I go to Ducati Insurance for both bikes, ok you have to start adding a few things on that carol nash throw in as standard, but it is still cheaper.
Hurrah for Ducati Insurance, that is, until you need them and they shaft you. | 
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