So I just ended up getting a new bike recently, and got the Laka.co bike insurance through premium.
Despite my previous assertation that it’s better value to get the £25 referral bonus. Was a super easy sign up, covered in about 10 minutes.
I’ve heard really good things about Laka - they even have an aditional liability insurance for £1 a month, which I think is a worthwhile upgrade, because you never know.
Anyway if anyone wants a £25 referral hit me up 
One thing that would be good to go with this is a Monzo discount on other bike related things, like the Bike Register marking scheme too 