Dont ever insure your valued bike with MOMENTUM personal all risk or MOMENTUM bicycle insurance. They will drag your matter as long as they possibly can. They will gladly accept your premiums monthly but the moment something unfortunate occurs they will treat you with complete disrespect. They will ask you all sorts of nonsense that will supposedly validate your claim, they will go so far as to want to get into your personal life and violate constitutionally protected right to privacy such as your phone records if your bike got stolen. It was so ridiculous that I was bullied to say where I obtained my cycling gear etc. Its been a month and yet no reply with regards to my claim. They have no consideration to the policy agreement and will make up new rules as they go along that will suite them. A very horrible experience. Dont ever use them.
