Now have our Pedalcover renewal and it’s marginally cheaper than last year, didn’t anticipate that given the comments here.
However, taking a bike-only policy with Barclays then using comparison sites for buildings/contents without bikes works out £120 cheaper all-in. Yet to read through Churchill’s Ts&Cs but at least it’s a company I’ve heard of (oh yus).
Having bikes on separate policy to the house/contents sounds better to me – makes it easier to shop around for house/contents in future without having to consider the bikes. But am I missing some obvious downside, other than potential for multiple excesses in the event of e.g. a break-in that involved both bikes and house contents?