I bought a new bike in June last year. 3 days later, it was stolen from stands in Eton High Street. I called my insurers (Liverpool Victoria) to make a claim and they said that I hadn't got cover. I had a quick chat with the call handler, then got put through to a claims handler.
I pointed out (very calmly, we were having a laugh at the same time) that the last policy booklet I had been sent was about 15 years ago and that one said that pedal cycles were covered. I agreed that I could / should have asked for a new booklet but I'd only had the bike a couple of days. I confirmed that we hadn't made a claim in over 10 years and that we had been with them (or Frizzells) for about 25 years and she said she'd call back.
I emailed her the claim forms anyway, including the invoice for the bike which was stolen, the replacement bike, the police crime number, photos of the place the bike was nicked. She called me back a bit later to say that the claim had been approved and that the cheque was already on its way.
She apologised that there was a £50 deductible for bikes but that she had included the cost of the helmet, gloves and a new lock that I bought with the replacement bike.
Which was nice.