I had been with Carole Nash for ages in the UK, then in my last year before moving I went with "Aquote". They were even cheaper

Although I checked out eBike, they never proved competitive for me....

I have checked the policy. Use on footpaths and bridleways is not covered, which I would expect, as this isn't exactly legal anyway. Cover on Byways is limited to legal minimum. I take this to mean that if I ride on a green lane I am legally covered, but if I bin it I stand the cost of repairs. I think that's what I would have expected. After all, there is a much higher risk of damage on a green lane compared to the road, especially if I am the rider :) I guess this is what you get with a 'standard policy'.

Good to check, though. Thanks.

My insurance costme $110 for my 05 dl650 full comp.with full ncd from ebike + free classic insurance for my 350cc trail bike [bargain] i think

Yes, I noticed the 'free classic insurance' thing, but the XT isn't old enough to qualify - it's any insurance policy plus free classic policy for another bike over 20 years old. And it must be kept in a locked garage, which isn't possible for me. Well, not until I find another home for the mower, old computers, fridge and freezer, packing boxes, toolboxes, battery chargers, old magazines, old business documents, garden tools, garden furniture, kids' toys and a set of bunk beds. Not any time soon, then.

But it's a great deal if you qualify.