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Last update from me
Decided to give Pedalcover a go
NFU Mutual came up with a similar quote including cover for bikes inside the locked car but the cover wasn't quite as good and came with a £350 excess on personal possessions (which would make a lot of accidental damage claims worthless)
Whilst I could have got cheaper with less comprehensive away from home bike cover the Pedalcover quote is still £40 less than what I paid last year and far more comprhensive
Guys I am a brand ambassador for Pedal cover its a great company and they will be able to give you great quotes, if you want to ring up quote L1MD and youll get an instant 10% discount.
Matt