I've heard stories of people coming back to a stripped frame and Cycleguard not paying out because the 'whole bike' had not been taken. With a good home policy your bikes are covered wherever away from the home and for whatever happens, even if you loose it or someone just steals a wheel. They also are not lock specific or at least much less so, the standard of proof they require is much less, meaning much more likely to have a succesful claim.
I've heard stories of people coming back to a stripped frame and Cycleguard not paying out because the 'whole bike' had not been taken. With a good home policy your bikes are covered wherever away from the home and for whatever happens, even if you loose it or someone just steals a wheel. They also are not lock specific or at least much less so, the standard of proof they require is much less, meaning much more likely to have a succesful claim.