A few years ago I had a policy with CN which I took out and renewed online for 3 years. It wasn't until I had a no fault or other vehicle accident (I dumped it in a corner) in France that I found they had changed my policy.
From first taking out coverage with them I had helmet, boots and clothing cover included. Each renewal period there would be an email from CN stating that "IF MY CIRCUMSTANCES HADN'T CHANGED THEN JUST CLICK THE PROCEED BUTTON TO RENEW"
As I was (at the time) happy with the policy and the cover agreed, about £250 Fully Comp, I still lived at the same address, I was riding the same bike, had no convictions etc. I considered my circumstances to be exactly the same. However, when I put in the claim for helmet, boots and clothing I was told that I was no longer covered for them and hadn't been since my first year with them.
After many letters and phone calls trying to get a reasonable outcome without success I took them to the small claims court. I won!!!!! and was awarded the full cost of my original claim plus a portion of the policy cost for the two years that should have been for the extra cover.
After 8 months recovering from the accident I went back to CN just out of curiosity, according to them I had lost 80% of my NCB and as I was now a "liability" my insurance premium would now cost .... £1000 +
45 years old with no accidents/claims in 27 years!?
EBike (I think) gave me the same coverage with only 20% loss of NCB for £200
From that day on CN can go phuque herself. I wouldn't recommend them to anybody.

__________________
RTW Jan 2009 - Aug 2012. Currently in Europe waiting for the next ride
www.takingthelongwayhome.co.uk