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@Bainbridge
Right so I need to get home contents insurance for my new flat. M&S is great value until I add a bike at over £4000, when the premium jumps £450 a year. So it would seem much better if the bike which is worth £4000 on the nose.......this could be done by having a lower value groupset and wheels (which I would then claim for if it was stolen). Would this just be a case of getting an LBS to value it lower than its current value in case it was stolen? Or is this fraudulent?