What is not covered
…
Unless the following items are specifically shown on your
schedule, we will not cover:
…
? Pedal cycles and their parts, spares or accessories;

Elsewhere:

Pedal cycles are automatically covered under contents cover when they’re kept at home (subject to the policy limits and exclusions).

So, subject to the exclusion of not actually being covered at all then?

Trying to work out whether a policy actually covers anything at all that you might feasibly want to claim for is a ballache. Not helped by only being able to read generic policy documents which make references like “to the value stated on your schedule.” The schedule I don’t have because I haven’t bought it yet. What, am I supposed to buy it and see if like the terms afterwards?

Rant over, as you were.

Only one I found that covered cycles for a reasonable price was Aviva. Pedalcover or whatever everyone raves about were about 4x the price, the prime reason I ditched M&S.

Phone a broker.

Specify exactly what you want and let them do the hard work.

Save a fortune this way as they find policies and tweak it to your requirements.

(Royal Sun Alliance with three named bikes covered home and away).

The insurance that British Canoe Union sells as canoe insurance has a clause excluding any canoe that isn’t ‘stored on trailer locked to immovable object behind closed and locked door’.

I phoned them up and asked if they were missing a comma or two – they declined to comment or change wording.

I’m now with John Lewis Specialist – who wrote to me each year to confirm that they will cover the canoes, which bikes and basically say if it’s being used or locked with cable to anything, it’s covered.

What, am I supposed to buy it and see if like the terms afterwards?

Cooling off period?