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@Sanddancer
That's not good. I think the standard cover has dropped to £1k too without having extras loaded on. I was already concerned that come renewal time they may switch me over to that rather than renew the policy under the terms I signed up to.
Thought I had it a bit too good to be true and the alternatives all seemed steep when I searched at the time.
Though I do have a friend that just had a couple of bikes stolen and paid out for through Direct Line. One of the replacements offered was definitely over £4k (total payout was ~£6.5k). He said he's paying about £30/month. Don't know if they have a limit per bike.