Laka allows you to add bikes (can be full custom) and accessories like a Wahoo or whatever. You're covered at home, in your car, or out and about and they cover racing too if you do that. As long as you're on a bike you've specified you're covered.
They also offer recovery insurance too now for medical/dental costs: https://laka.co/gb/#recovery-insurance
£25 off cover for you (and me!) if you use my code: https://laka.co.uk/r/IFWOZ