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@Dammit
Butterworth just got back to me.
Total premium for the year £940.50.
If the/a bike is stolen at home I lose 20% as an excess, so for the £3,000 SystemSix I'd get £2,400 back.
Oddly I only lose 10% if it's away from home.
I'm leaning toward E&L as the best of a bad bunch, Photoben- what did they do that annoyed you?