Stolen Bike - Insurance Advice

Had a bike stolen this morning. It should be covered under my home insurance, however the excess is £250 and the bike is worth about £500.
Can anyone advise if it is worth claiming or would making a claim result in my premiums going up?
Can anyone advise if it is worth claiming or would making a claim result in my premiums going up?
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By that maths, I'd swallow the loss. Sorry; insurance companies are scum.
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