Another vote for Pedalcover. Excellent personal service on initial quote, then on revising and taking it up a year later, and finally on renewal this summer. Better cover and £200 cheaper than our previous insurer.
No claims experience, but the underwriter is AXA - I think they were the underwriter when we made a (smallish) claim on a different policy a few years ago, and were perfectly reasonable.
On balance, I think next year we'll accept the higher excess (£350 for us, I think) but ditch the excess protection policy - for us it's £55, with a max payout of £600, but terminates after any claim. It does, though, effectively create what would be my preferred model for insurance - a high(ish) minimum claim, but no (or minimal) excess once you're over that threshold - we'd be happy to self-insure up to probably £1k or so in exchange for a lower premium, but would prefer a full payout if we were going to make a claim.
(Realistically, if you've got an excess of £350 as we have, you're not going to make a claim for £400. It's not worth the likelihood of increased premiums in the future unless you're going to get a cash payout of £400 or £500 as a minimum, probably more, so the minimum claim we're likely to make is knocking on a grand in any case.)
