Well, if you want to be on the extra safe side, or you don’t have a contents insurance policy at all, you can take out extra bike insurance. This not only covers you in the event of theft including theft of fixed bicycle parts such as your saddle, but usually has your back during the following scenarios:
Accidents, and subsequent repairs
Vandalism outside your home, e.g. if someone slits your tires
Material, production and design defects: However, if less than two years have passed since your bike purchase, these damages fall under the bike’s warranty.
Wear and tear of bicycle parts
Accidental damage you cause yourself (e.g. if you did not insert the battery of your e-bike correctly, and it falls and breaks)