Pedalcover here, second year running, I made a claim last year for a damaged phone that was dealt with very efficiently and easily
Not heard of anyone having had to make a claim for a bike yet though, be interesting to see if all the promises hold up
Whoever you go with though worth looking into the old excess insurance ‘trick’ that Darren at Pedalcover taught me – take a bigger excess on main policy to massively reduce the premium and take out a 2nd excess insurance policy to cover that excess
This cost me £49 for the 2nd policy but saved nearly £200 on the main policy; it’s a bit more hassle should you have to claim but worth it for the saving against the likelihood of a claim imo