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@ssaint
I did some more detailed checking with More Than, if you choose the bike away from home add on you get your family's bikes covered up to a total of 5000pounds (although if any bike is worth over 1500 you have to list it), new for old replacement, just has to be locked to an immovable object when outside the house (even if it's in your shed or garage). Only thing I need to check now is if the locks have to be a particular Sold Secure rating...
Excess is 50pounds and the premium was about half of what M&S quoted me...