I was so pee'd off with the fact that eBike imsurance appeared to be the cheapest insurance for my motorcycle. But getting through to humans to discuss stuff just seemed impossible, and I fear had I had an accident the other party would have found a problem meaning I was not covered. I found a great human being insurance broker who - although I paid a mere ?20 more - got me comp cover instead of TPFT and, AND, business use. So I am happy to say the human, who knows his business and, most importantly, knew which questions to ask me, the human won! Ditto getting train tickets. We found what we thought was a good fare to go to Cumbria. I went to Euston anyway and thought I would ask the Virgin ticket office man. He sold us a better ticket than the one on the web, because he knew his stuff.