I had a nightmare the one and only time I used bennetts. I insured my bike with my brother as a named driver, docs arrived with my brother as the insurer and me as the named driver. Called them up and explained the problem, they told me they would have to cancel the policy and I would need to start again and that it would be a £20 cancellation charge but as a gesture of goodwill they would send me a cheque to cover the £20. So I did as they said and a cheque arrived written out to my brother ! Never again.