Having had to go through the M&S policy shift rubbish, I have just signed up with Home Protect.

Cheaper than M&S, bikes specified for exact values, new for old, accidental damage, covered in the car and garage etc etc. Seems to be as comprehensive as M&S was.

Not a recommendation as such because the proof of value tends to arrive after a claim but it may be worth looking at if your renewal is approaching. I’ve got 7 years no claims btw so it may not work out for those having had recent claims?

Quite shocked at the replacement values if employing new for old – 2005 5 Spot at over £4.3k!!