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@hippy
My insurance covers single items up to £4000.
How many people
Also, if your house burns down and you lose 4 bikes worth £2k each and your tv and your music collection and your collection of hipster jeans and your sex toy collection blah blah.. if you have expensive possessions insurance IS worth it.
Even bike specific insurance is worth it when your bike is worth £4k as opposed to £200 or something.