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@andyp
Hippy's right about M&S insurance as they won't cover people living in shared accommodation.
Bike insurance is a rip off and it makes more sense to put aside a bit of money each month in a savings account so if you do suffer the misfortune of having a bike nicked then you have some money to replace it with. If your bike doesn't get stolen then you have a nice little sum to spend on a new bike.