Guys. Anyone insure their bike in the UK. Seems that Cycleguard will insure my Gemini (when I get it) for about £171 pa. I find the wording of the policies a bit messy to read, typical legal-ese. Are mountain bikes covered for their intended off-road purpose? Or are we just looking at theft as the only insured condition?

I'm just a bit concerned that an insurer might say, well you took your bike off road and you did this and this broke, but I'm sorry sir, you were not covered. Mountain biking implies greater potential for damage can occur. Help/advice appreciated.