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@samdcoates
I had a shit experience with cycleguard. Left my bike outdoors with a fat D lock through the frame and the wheels cable locked with a 10mm jobby, came back to find the cable cut and the wheels gone.
Rang cycleguard, their response was "If it's removable from the bike then we don't cover it", so essentially you're paying to insure your frame.
Had a sales call from them recently where they said "oh no you'd be covered for that now", but haven't seen either a T&Cs that say that, or any offer of the money they owe me from my previous claim.