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@hael
meh cycleguard, I was covered by them for a while but stopped it after I found out that only if the complete bike was stolen while tethered by diamond cords to the gates of Buckingham palace would I receive the depreciated value of the bike..
I think if im unlucky enough to get my bike stolen now I would either put a new one on the credit card or increase my overdraft and pay off what I would a month as if I were on the tube
until such times the bike will not leave my sight when locked up ;)