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Cazakstan
I've always had bikes insured on home insurance as well, just due to the cost of bike specific cover. I don't do mass start races or anything like that. I've unfortunately had to claim once and been fairly pleased with the experience. If you are racing, cycling abroad a lot, crash a lot, or have very particular custom bikes you would want to have replaced exactly like for like then it seems like you just have to pay the premium for laka, bikmo, or similar.