Well thanks all for your advice but have stuck with Bikesure in the end. The cheapest quotes were between Bikesure and Bennetts, after calling Bikesure managed to get it down to £289 with excess of £500. Bennetts were a little higher, £512 with excess of £800 no choice really. The adviser did say that it was down to the underwriter, thats what Badgerroy did say only a few underwriters out there.

Thanks again all for the advice.