I don't want to dump on Shannons all that much, I've had several car claims and all went through smoothly other than being increasingly difficult to communicate with them since all claims are sent offshore (versus sales where you go straight through to a local). I've had two cars written off, one a no-fault collision (rear ended) which was paid out agreed value within like two days, the other a hailstorm which took a week or more to get assessed since thousands of cars were affected, but was then again paid out within days. Three minor at-fault claims too, two kangaroos and nailing the front bumper on an unexpectedly harsh gradient at an intersection. No grief with any of them, again other than the difficult communication if you need anything clarified.
If you're having trouble, just keep escalating it until you get it seen to by a more senior local agent. My only issues were dealt with easily once I was speaking to someone who wasn't just answering in half-english gibberish reading from stock answers.
For the bikes I never used to be insured either, but it's a pretty good deal these days. Now that both we and the bikes are so old the premium is quite trivial vs sum insured, and you're covered if you crash into a Lambo or just have one of those off-piste whoopsie-diasies like Quentin. Funny enough, theft never really even occurred to me, especially given if you frequent this forum all you read is the few broken-record moaners saying how nobody cares about old bikes anymore.
