Wait! There’s a guy on our team dressed like a pirate?!?

Crabbin’

They’ve not replied and thus must have been hit by a truck.

RIP OP

I’ve previously used Bikesure who seemed ok.

If you have contents insurance, have a look into the PDS. Some insurers will cover it, but not while riding, while a number of others will cover it including while riding, as long as you’re not participating in races.

Covering it under contents insurance is likely much cheaper than specialist bike insurers.