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@edscoble
Think about it, would you like to go through the whole hassle of getting a new bike from the insurance company? it took me a full 2 months to get mine despite it being a textbook theft (they cut the lock, took it with them and the bike), they tried to weasel out by pointing out that I locked it outside my house, and you should check the small prints, a couple years ago I notice that my old insurance is invalid if I lock my bike outside my house.
Plus you don't need to spend £90, especially when a decent U-lock can be enough for a lots less.