Amazed at Bennetts insurance logic

So, I had my insurance renewal notice through this week, for the SD and my '05 10R. I'm currently with H&R (have been for 5yrs) but every now and then I ring round a few companies for quote comparisons. One such call was to Bennetts Insurance (UK). I was stunned to learn that they would not cover me at all, and the reason WHY was hilarious. On the online web form I'd completed I had listed 'too many modifications' to both of my bikes. They were:
SD - Scottoiler, Crash bungs, exhaust
10R - Scottoiler, crash bungs

This, apparently, is way to much for them to handle and their under-writers wouldn't cover them! Thought I'd share. So if you are tempted to go with Bennetts (and on this experience I woudn't touch them with a nuclear bomb) it might be a tricky situation if you require a pay-out and they discover that you forgot to mention you changed the brake reservoir cover to a KTM orange one....that counts as making changes to the braking system!!!

Fcuking idiots.

Personally i would not consider crash bungs or Scottoiler as modifying the bike but as accessories. I would not have put them on the form.
Sometimes its better to ring than complete the online form .

That is just ridiculous.

I also had problems with them a few years ago. When I was 18 they were my only choice because I just couldn't afford anything I was quoted locally. To be fair, I only paid half of what I would have paid here but they just don't seem to care about their customers. When sorting out my policy over the phone I specifically told them they would need to send an insurance window thing like we have over here. When all the documents came through in the post about a week and half later I wasn't surprised to find that it wasn't in there. It took another 2 phone calls for them to send one down and it didn't help talking to someone different every time. Anyway, when I came round to cancelling my policy with them about 14 months later like any other company, they give you back a percentage of what you paid. It was the same story again and each one of the 4 times I phoned, they promised they'd credit my account. I never got back the £40 something they owed me, it just wasn't worth the hassle.