I know this has come up before but I’ve been pretty loyal to Pedal Cover for 6 or 7 yrs but their policy and conditions have slowly gotten to the point where they are no better than generalist insurers and worse in some cases.
They’ve changed underwriters now (used to be AXA, now NIG I think) and my policy has increased by £80 for far less cover. I do have call with in with them to clarify some things but probably will move on.
My bikes are stored in the garage, which has a secure, motorised roller door one end, a basic internal door the other but that can only be accessed if via our UVPC front door. I’m hoping that counts as ‘secure’? The garage has no windows.
Two of my bikes are under 5 yrs old (one is a 2015 model but I bought it new in 2018) and one is older than 5yrs and PC have dropped the ‘new for old’ benefit.