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@Calumonwheels
I wouldn't bother insuring a non electric tern any more than I would any bike with hydraulic discs. I'd just use 2 sold secure gold locks or above if going out which is the same as what I do with my own town bike anyway.
It completely depends on where you live and where you've been locking it up. When I quit pedal me I'd been working there 2 years and I'd been locking up an electric urban arrow XL with rohloff outside on the street (battery and seatpost removed but still...) for 2 years using a chain lock and never once had anything stolen off it while a colleague living in Limehouse had had like 5 wheels, handlebars etc stolen in the same timeframe.