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Forgot to say bikmo have a page on their website in your account for you to upload pictures of the bike and write down the spec/components/build so they know what the bike would be worth to replace new.
cornelius_blackfoot-
That's definitely an advantage over Admiral, they ask you to describe the bike in as much detail as you can but with a very, very low character limit. Just about squeezed in "Donohue track bike w/custom Columbus Max forks" which is very far from as much detail as I can describe that bike in, ha ha.
I suppose I'll just keep careful records of what's on my bikes and photograph them regularly to be safe.
ltc
Ah ok, that's not too complicated! I suppose the only issue I can see with that would be if the lock was missing for whatever reason. I wonder if Admiral would handle it any differently, seeing as they're not bike specialists.