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@benanza
Just checked the cycleguard website and dang are they expensive. To cover my bikes at the moment they want £640, which is nearly £200 more than my fully comp contents cover from M&S. I also checked their policy wording and 2.2 item 12 excludes cover for ‘Any tires, fixed accessories or REMOVABLE PARTS, unless the bicycle is stolen at the same time’. That’s a friggin’ joke!
They also specify a certain lock, which is linked to the value of your bike. That’s ok I guess, I see where they’re coming from, but then if you can’t produce the receipt and spare key, or the broken lock then they won’t pay out for that either.
With M&S they do not have any requirements as to how things must have been stolen, damaged or lost really.