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@Marck
...my bike was insured on my home insurance through the Co-operative, and they were very helpful and paid out no problem (they wanted a crime ref no. and details of the bike/value).
However I understand (having failed to really take much notice) that this will be gradually recovered by any such insurance company through increasing premiums, and have been advised that separate policy for the bike is a better option.
Mind you isn't this how all insurance works - you claim once, then your policy goes up?