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@Brun
Fun finding insurance. Who'd have thought a tiny bit of subsidence history would mean that so many companies wouldn't even insure your contents, despite me having no problems recently getting a mortgage for the place.
Even Hiscox declined, but suggested I call Cliftonside who do 'non-standard' home insurance.
Worried this was gonna end up costing me a fortune, I was very pleasantly surprised when they came back with a quote of £180 including my two bikes covered out of the house for £600 and £2000 (he asked for details but was happy to enter them as 'custom built'). That's a better price than I'd got from almost all of the major companies, most of which either have a lower limit for bikes or charge silly money to cover them. Win.