As is mine Paul but I recently had a conversation with my neighbour who rides a very expensive electric bike after which he checked his comprehensive policy which certainly covered any loss of damage to his bike but not liability to others in the event of an accident, he then checked his household policy and realised he had refused the option of personal liabilty cover so in fact it isn't fully comprehensive in reality, he was horrified and has since amended his house policy. My cover is the same as his btw and was classed as "comprehensive"
While we're at it I'd suggest bikes should have a simple MOT as though the vast majority of riders are careful enough to maintain their bikes for their own safety there appears to be also a sizeable number certainly in a couple of the towns not too far from here, who ride with machines that should be on the scrap heap mostly younger scruffs wearing dark hoodies and no lights at night so that's down to the current laws not being enforced by police.