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@Sanddancer
Was with M&S, had the terms changed at renewal, but they still worked out cheapest/best by declaring the bikes over . I declared 1x £6500, 1x £3500, 1x £2500 and 2x <£2000. Charged me £15/month or so over my regular premium.
Also, I claimed once a couple of years ago for accidental damage to a bike and they were great and then earlier this year for a lost phone/case/wallet/cash and they were excellent again.