We’re with MandS and have bike cover as an extra on our home insurance
Renewal this year was about £650 for the whole lot. The bike cover part is about £275 of that.
The only thing you have to specify is the value of your most expensive bike, which for us is £6k. All bikes are covered up to that value in the house/shed, out of the house, either locked or in our possession, and in the car.
I didn’t have have to tell them any details of the bikes, how they are stored or even how many bikes we have. They weren’t even fussy about security details, locks etc.
Definitely seems too good to be true! I asked lots of questions about many different scenarios, trying to find where the exclusions were, as I just couldn’t quite believe it was that simple. The guy on the phone assured everything was covered.
As a precaution I’ve got photos, frame numbers, receipts etc squirrelled away.
Hope I never have to use it!