I can't help you with the information about the level of cover from the different insurance companies you mention but suggest you should give them a ring. What I do advise though is that you have the correct level of cover I.e. Too much rather than too little. I have just claimed on my house insurance for my Focus Cayo that was stolen recently and was surprised how replacement values have gone up. Also add up the cost of all your accessories on the bike - pump, bottle cage, bottle, computer, saddle bag with contents to make sure you have enough cover to replace these as well. Your policy will read ' cycle and accessories' if you have to make a claim.