I use a broker (Riccardo Stermin at Phoneix Risk), who insures my bikes through Cyclesure. I have all my bikes, kit, shoes, helmet, GPS etc. insured. I have never had an issue with a claim, and they're normally paid out in the same week. This counts for claims on parts breakages (i.e. broken deraileur, smashed wheel etc.) as well as other claims (i.e. lost GPS, broken helmet). Changes and amendments are made on the same day when I email him. They also cover everything during transport, cover me during racing and even when I go overseas.