Thanks @princeperch and @EstelleGetty managed to get it sorted in the end, went through homeprotect underwritten by axa, it's weird because I'm already with axa but they wouldn't let me put my cargo bike on the policy and its too expensive but homeprotect will.
Anyway happy it's all sorted and I can ditch laka, who have been charging me through the nose.
Thanks @princeperch and @EstelleGetty managed to get it sorted in the end, went through homeprotect underwritten by axa, it's weird because I'm already with axa but they wouldn't let me put my cargo bike on the policy and its too expensive but homeprotect will.
Anyway happy it's all sorted and I can ditch laka, who have been charging me through the nose.