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@yetidamo
@Ramsaye good suggestion, thanks. Unfortunately my insurer (Hastings Direct) don't appear to have any such useful info on their site. I've rang them many times and so far haven't found a single person who seems to know the first thing about bikes. I guess they're car biased seeing as that will be massive lion's share of their business will be 4 wheeled based.
Thanks @Constable_Savage That was exactly my concern. Hastings Direct seem to be making really heavy weather of understanding what basic bike accessories are and how to categorise them, but I'll persist as I don't want to be in a situation where they have any wiggle room.