Is there an insurance policy that deals with the following?
I keep my bike in a locked garage at work 97% of the time. However, in the Summer I use it at weekends and therefore it spends the occasional night chained up on the street outside my house. My insurance is for a 'locked garage' - correct 97% of the time - but means I'm not covered when it's outside my house (albeit rarely). If I say the overnight location is always 'on the street' then that's not strictly true (would it be covered 'away from home' months in a row, when in the work garage?) and I'd also pay loads more for that cover.
To add to the above, I don't use it for commuting - but technically on a Friday evening in the summer (when I take it home from the garage) I am. (I therefore 'commute' maybe 30 times a year on it)
Online forms don't tend to cater for the above. Does anyone know of an insurance company that would ensure I'm always covered?