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I have an expensive push bike, worth three new motosai's.

It does not surprise me that insurers here will not insure it ON The ROAD.

However, as I keep it (and 2 others) in my apartment, and it's the most valuable possesion I have,

I requested to insure it as an "article" against fire/theft IN THE APARTMENT, and pay a handsome premium.

Cannot. Why ? No explanation forthcoming.

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