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@factor10
Just want to document the fact that I've had a bad experience with JLT Online, the guys who underwrite for Evans insurance and Cycleguard. Perhaps I should've read the small print a hundred times, but you kind of also assume that if they accept the policy, that you're covered. Apparently because the frame on my stolen bike was over 10 years old, it isn't worth anything. They regard the insurance as being on the frame. Nevermind that pretty much everything else was new. They stated that on frames over 10 years old, depreciation is 100% and therefore the value is £0.
So stolen bike + no pay-out on insurance = double gutted.
Can't stress enough - read the small print!