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Those kinds of insurance policies are not designed for expensive bikes. There are a few details to consider though. Compared to dedicated insurance for a bike, it's often inexpensive and you probably already have it. Most people rely on their home insurance to cover their bike. Sleep soundly knowing that you won't come out in the morning to a broken garage door and a missing bike.
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When you get your bike home, even if it has GPS tracking, consider locking to the Hiplok ANKR using the ABUS 770X smart lock with an integrated alarm. Garages, or sheds, are easy targets for a bike thief and they are places where owners often have relaxed security. This is especially true of some of the most expensive bikes that never find themselves locked on a street. One of the most dangerous places for a bike is at home. Here's another solution to the same problem. You came to this article looking for a GPS tracker so that when your bike gets stolen you can track it. The best bike insurance will help negate this concern, but it is not a legal requirement, and even for those with a policy, it can be less clear-cut. Cars have insurance that isn't too difficult to navigate and will, at least in theory, fairly compensate an owner for a stolen car. The emotional toll of a stolen bike is big. That feeling of security we've been so careful to construct is gone and in its place is vulnerability, guilt, and probably anger. Then, it all comes apart when a prized possession, like a bike, gets taken. Most people know that security is fragile but most people also prefer not to dwell on that. We construct a feeling of security through a false sense of control in an uncontrollable world. That's why investing in a great bike GPS tracker can insure yourself against the stress and financial disruption that follows. In a way, your whole world comes crashing down.
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Then one day you look to the last place it was sitting and it's gone. The world can be a scary place, especially in 2021, and being able to connect to the here and now through a bike is important. It's a vehicle not just for physical transportation but also for mental wellbeing.