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@Dammit
No- well, mine is, but only because I specified it.
If the bike is over a certain value (with M&S £4,000) then it has to be specified to be covered anywhere.
I never, ever leave it anywhere so my concern is it being stolen from my house when I am at work, or someone running me over and buggering off, leaving me minced and the bike so much shattered carbon.