If you look at the small print Mackenzie-Hodgson insurance is just another name for Carole Nash insurance brokers, all policy's are set up,handled and administered by Carole Nash brokers on behalf of a 3rd party insurance company. Basically they have paid a couple of biker friendly faces to put their names to a new company that will attract bikers. End result is your now paying for the underwriters fee,the insurance company's fee, Carole Nash's brokers fee and Mackenzie-hodgsons brokers fee.