I have a Trek Emonda SL6 which I use as my daily commter bike aswell as longer fast rides
I live in Cambridge UK and we have high bike theft in our area .... I have taken out a Wiggle Elite bike insurance .... bike is valued at £5149.00 and it is now fully covered for:
Theft
Accidental Damage
Global Travel Cover
Active / Sports Cover
Transition Cover
Replacement Cycle Hire
Taxi Fare Reimbursement
Personal Accident
Public Liability
Emergency Private Medical & Dental Treatment
Emergency Physiotherapy
Free Legal Advice
£10 000 life insurance
I pay £35 a month for this, but I have peace of mind