I know this one has been off the radar for a while but I've been through the renewal process a couple of times recently and despite being one of the people knocking Surety, I have now changed my opinion, so it's only fair i voice that new opinion too!
There are a couple of things about the IAM Surety cover which I think are worthy of note.
I have been in the "just go to the lowest" group for one policy for a year and to be honest until renewal it made no real difference. The new company's renewal figure was well up on last year so after a price comparison I've renewed again with Surety, and I'm having a change of heart.
Firstly Surety are not great at renewal figures, but if you go back to them with proof of a better quote they will nearly always match or beat it. OK its a pain sending over screen shots or scans of other offers, but its also as much hassle moving companies. Proof of no claims bonus etc.
Second, they include Class 1 Business cover as standard, which covers you as an Observer. If you ask for this level of cover with other companies the price invariably goes up.
I now use Surety for both my bikes and the car. I have had 1 theft claim from the car and it was handled well and dealt with promptly even over the Christmas / New Year Holidays.
I always check my renewal quotes and, yes, I can usually find a better one. Then they match it. It used to annoy me that they couldn't just do the same as I did, but they can't apparently, so now I just live with it. I takes half an hour at tops to check and send a quote and I do get peace of mind knowing from experience they are helpful when you need them most, claim time!
I know some of you will say it doesn't work for you, and maybe it doesn't but I'd always give them a chance to beat a renewal quote. A couple of phone calls and/or emails can save considerable cash which you can spend on something a bit more exciting than insurance.
And before you ask, no, I'm not on a commission!