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@DFP
Exxxaccerly!
I dont see the value specific insurance personally, just set some cash aside (equivalent to premiums) Youll have enough for replacement bike etc in no time. Its unlikely that you are actually lacking savings to cover replace the bike if it gets pinched before accumalating enough. With insurance you really are giving away money for nothing.
But sticking it on house insurance etc can prove pretty good value from what ive heard.
House insurance makes sense because you are covering a house and all your possesions stuff you couldnt afford to replace if it burned down etc. So its worthwhile giving insurance man his profits.