I'm interest in other's opinions and experiences which will hopefully help me make the best decision here...
Basically, a couple of days ago I found my shed broken into and both my bikes stolen
A 2012 Giant Anthem X2 and my retro Specialized FSR Ground Control which had loads of upgrades.
Because of the terms of my insurance policy I can either take a cash option for each bike of £1000 per bike (which actually works out way less than the value of the 2 bikes and would leave me out of pocket) OR I could choose replacement bike/s from the insurance company's preferred dealer up to the value of £2800.
I'm thinking of going for the 2nd option. I'm considering going for the full value on 1 bike - something like a Giant Reign 1, Trance X1, etc. Then I'd sell the bike on as brand new for a few hundred quid off and buy a 2nd hand one (maybe a 2011/12 model) and hopefully end up with a few quid left over to replace the bits that were nicked along with the bikes - lights, pedals, tools, etc.
I'm taking the opportunity to get something with longer travel than the Anthem had... still undecided on what though.
Anyway, do you think this is the right thing to do?
How much would you think is reasonable to knock off a brand new bike before you'd consider buying it?
What do you think is a popular enough bike that I could sell on easily to someone that wants a bargain?
What would you do?