Bicycle insurance might not be top of your list when buying a new bike—but with rising theft rates and expensive repair costs, it’s becoming more relevant than ever. The big question is: do you really need it, or is it just another unnecessary expense? Let’s break down when bike insurance makes sense—and when you might be fine without it. 🔐 1. If Your Bike Is Expensive or Custom-Built If your bicycle costs more than £500–£1,000, repairing or replacing it out of pocket could
