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I think that's called a moat
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You might well be wildly under-insured with that little cover... Apparently 'contents' means everything that isn't part of the structure and not just things that someone would/could steal. So things like heating system, kitchen appliances, bathroom suite, bedding, carpets, bookshelves, etc etc.
fredtc
Dramatic_Hammer
@yeahdext
Going offtopic, but Bikmo use Hiscox as underwriter. I've got £9,500 worth of cover for £47 a month. Accidental, can leave unattended locked to hard point for 24hrs (We'll see how long it takes...) etc etc.
Contrast, my house contents is £25,000 and its £6 a month. Doesn't cover the bikes over £500 though... But there is a stream that runs 4m from the front door.
Edit: should have said I don't live in London either!