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I went with Laka in the end. Single bike at £1200 is around £10 a month which is a bit steep but we added my partner's Condor for the same value and it came to £13 a month. The price can fluctuate so the numbers above are quoted as "usual" but with the £25 joining discount i'm hoping this'll work out around £6 a month each.
May I ask which insurer did you go with and what was the rough cost?