Most of them re-sell anyway, so I don't think any two people are going to get the same service. For example - BikeSure - I got knocked off, got a courtesy bike next day even though that wasn't in my policy, got my helmet covered which was again, not in my policy and they were overall very good. However, that was actually BLD, so you can't rate BikeSure for that. Then, my brother gets knocked off, he's also with BikeSure, but got passed to some other company who didn't offer a courtesy bike, made him pay excess for helmet and so on. Then, you have the repair company who is again separate, so once again you can't rate BikeSure themselves for that. Then you have the legal company. Then there's the kit cover company (sometimes same as the legal company for some reason iirc). Insurance is a mess. Resellers selling reseller's resold services which are then outsourced and re-sold to the resellers.