Comment by Cthulhu_

No, bikes are almost never insured against theft, that's the person's own responsibility (lock and chain), and even then sometimes you're just out of luck. Having your bike stolen is one of the experiences every Dutchman has to go through. That's also why there's a huge secondhand / cheap bike trade, or why you won't see much expensive bikes in the big cities like that. And for the few kilometers (if that) between your house and a train station, you don't really need anything fancy either.