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Laka allows you to add bikes (can be full custom) and accessories like a Wahoo or whatever. You're covered at home, in your car, or out and about and they cover racing too if you do that. As long as you're on a bike you've specified you're covered.
They also offer recovery insurance too now for medical/dental costs: https://laka.co/gb/#recovery-insurance
£25 off cover for you (and me!) if you use my code: https://laka.co.uk/r/IFWOZ
Cazakstan
I guess what I would want is for all the bikes to be covered at home, in case someone kicks my front door in and robs them all, and then to have another bike specific insurance with a lower excess when out and about on any of my bikes. Ideally this would also come with personal injury/dental etc insurance for when someone eventually drives into me.
Do any of the bike specific insurances allow you to be insured on "whatever bike you're currently riding" (up to a fixed cost) ? Or do they all require you to specify a bike.