I've never had my bikes insured other than through my household policy. I don't commute, I'm rarely on the road, and any accidents tend to be my fault. And they are never left outside on their own.
However, the bikes are gradually getting more expensive and I'd just like to make sure that I'm covered should something untoward happen to them (or me) when I'm out and about.
Where do I start and what's the going rate? The main bike would be hard to replace at anything less than £1200.