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@Dammit
Might be of interest to some people- I have M&S contents insurance, including the out of home cover which includes bicycles to the value of £4,000.
I gave them a ring at lunch as it occured to me that the in home cover was unlimited, so would that extend to a bike if it was greater than 4k in value.
They said no, if you had a bike that would cost (say) 8k to replace it had to be specified, and further to that if it was not, and was stolen, even if you wanted to claim 4k for it they'd refuse the payout.
I had been assuming that I could just phone up and say "hi, bike X got stolen, I'd like to claim for it, I understand the maximum is 4K".