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@Dammit
From memory (I have not checked this for a while, so you might want to) Hiscox and M&S do a full new for old policy.
I don't know about More Than, but a lot of other companies have a depreciation function- so for example if the bike is over 2 years old they only pay 75%, and it's a sliding scale so as age increases value goes down.
Also check out what excess they will charge you- there is an unavoidable £50-£75ish, but often there will be £200 on top of that.