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@pip
Endsleigh also do insurance with special bike coverage for a reasonable amount (obviously depends where you live). Never used it so I have no first hand knowledge of what is covered etc
The only weird thing about them is that if your bike is nicked at night (11pm-7am) you have to proved you removed your saddle or wheel (so its not ridable). Removing your saddles a pain and taking yer wheel into a pubs a bit of a non-starter. But it might work for some.