[squirrel_hunter]

Call them back, get them to send you the terms and conditions along with acknowledging that they have not sent them previously. If the T&C's say it must be a brick built garage then it would look that you are not covered. And at that point I would ask for a full refund of the premium and any previous premiums that you have had with them as though you disclosed all material facts they did not and in my opinion (which is frankly worthless) you have been miss sold. They will obviously refuse so you then have to take them to the ombudsman. Good luck.

The theft coverage between certain hours is just to ensure that you lock the bikes up in the garage when you go to bed. Or at least thats how I interpret that as I've seen that on all the policies I've had.

Oh and, hello stranger.