Was with M&S who failed to send me a renewal quote and i forgot to chase it up until 9 hours after it expired and they then point blank refused to allow me to renew it except on the new terms which wouldn't cover me as i have too many bikes. Annoying so i tried elsewhere after reading threads on here:
Sheila's Wheels - seem to cover bikes but apparently i'm in a Flood Plain (there's a tiny stream a hundred yards away which never floods) so they won't cover me.
John Lewis - will offer me a quote if i specify all the bikes and pay extra.
LV - as above will offer to quote me if i specify all the bikes. BUT...
Both the above want to make me pay for full cover for my bikes but if i dig a little deeper, i'm actually not really insured as all my bikes are kept in the garage (integrated into my detached house). I've learned today that even if the garage is integrated it still counts as an 'Outbuilding' and the maximum claim for theft from an out building varies from £2.5k-£5k but they expect me to pay extra for £12k of bike cover knowing that i'll never be able to claim it back?
Most other insurers refused to cover me at all and i even popped into a brokers in town and they couldn't help me either.
SO......... any ideas people (i still have NFU & Hiscox to try)?
And a final word of warning - if you keep a decent amount of bikes in a garage - CHECK THEY ARE ACTUALLY COVERED!!!!!