Not reading all that sh**e, but for me, Green Insurance have been magical as far as quotes go.
1 x £3500 bike
1 x £5000 bike
1 x £2500 bike
Insured at home and away, agreed value.
£28/month, and that includes the normal £75k house contents plus some named reasonably pricey extra things.
Disclaimer: not a willy waving contest, because there are plenty of folk out there with drastically more expensive stuff than I own, but it gives a better idea of premium/value over someone who has 3 Halfords Apollos insured for £30/year and lords it up over the CycleGuard plebs.
EDIT: And I don’t live on some sparsely populated island either, should you think the premium is falsely low. I’m fairly central Edinburgh.