Shop around and compare 'like for like'.
Carole Nash includes European breakdown as standard. Ebike charges £50.00 extra for same cover. A straight comparison makes ebike look cheaper but I travel abroad a lot and Carole Nash with inclusive bits is better value when £50 is added to ebike costs.
You really need to look at what's included in each case and drop the bits you don't want e.g. Legal Services - I never take.
Use 0800 numbers or internet and deal direct - you will save because 'middle man' always takes cut.
Also - look at bike security - a Thatcham approved disc lock can earn you discount. Bought the Motrax Vishas from Ecosse Honda for £40 and immediately earned £20 discount. With discount following year, lock costs nothing, and £20 better off year after.