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Varies from place to place and if you chose to include it in the cover for outside the home. For example in Denmark, where cycling is one of the top ways to get around, your bike will be insured even if you have it parked outside in the town centre. But if you live somewhere where cycling is less ubiquitous, you might only be covered for if the bike was in your place and someone broke in and stole it, likely requiring a police report
