I’ve generally not charged for insurance quotes. I think the only time I would if it was a particularly in depth or detailed quote, where I was very unlikely to receive any of the business. That’s a bit different to quoting for a job where you have a fair chance of gaining the business. A lot of insurance companies use Wheelies, so the LBS will get no business from them. If it’s a 2 minute your bike was worth approx £700, here’s a quote on headed paper job I’d do it as a favour/goodwill/keep a potential customer happy. If it’s a custom bike and it’s going to take me an hour to check all the pricing of all the parts, then I’d possibly charge, £15 would seem reasonable. It would depend a bit on any number of factors.
In the three years I’ve been going I’ve probably got business from 25-30% of the quotes I’ve done. A number of insurance companies have sent the customer a cheque made out to the shop so they have had to spent it in the shop.(This tends to be accident claims, not theft of a bicycle)