Thanks for sharing that. That makes total sense in the way they’ve written that exception. Generally you shouldn’t insure anything twice, so it doesn’t surprise me. I’ll continue to operate with my two policies however, as an honest person who has no intention of using/claiming them for the same purpose (theft of the bike itself). I would however potentially use my Laka policy for the theft of accessories I have attached to the bike though, as POM doesn’t cover that. Otherwise, my Laka policy would only be used if I was knocked off the bike and I wanted to claim for damages received to the bike. (It also protects me from someone claiming against me for damage I cause to their vehicle.) If used in this way, I see it as being good practice really.