Direct Line, sadly my shed was broken into a few years back & they stole 2 bikes both ones I built myself so no off the shelf equivalent, I had a few receipts for bits of 1 bike, I thought I was stuffed, BUT..
I supplied photos, of each bike, with a full list of components & the cost of each part, or its currently available equivalent as RRP, I was clear that I had listed RRP. Direct Line did send a very nice lady around to my house for a chat & they paid out in full for each bike about 3k in total.
Similarly the house was broken into the year before and a small collection of vintage watches was stolen amongst other things, I did a similar list & again paid in full.
I will never use another insurer.
And no I don’t live in a dodgy area!