We once insured our son's bike when he went to Uni as a miscellaneous bicylce. It got nicked & when we claimed were told we should have specified the miscellaneous bike.
No payout & next year the price went up as we claimed. Naturally that company is not used by me now.
My advice from that is to call when renewing and ask all the questions you can. They all record these conversations & if pushed send you a transcript . We always ask now about bikes, kids away from home etc
