it was the change in insurerI think the fact that they had their bikes in a rented garage at a different address made this more complicated. M&S are still worth a look but make sure you check all the small print (as with any policy)
When I took out the policy a couple of years ago, I specifically asked whether we would be covered in our rented garage one street away from the house. They said yes. I was so concerned that I asked for a letter to be sent to me that made mention of this and thankfully we still have that letter in our files.