Interesting stuff, my insurer is M&S. Previously I have cash settled (3 times before unfortunately) and done OK out of it. Certainly no 20% reduction for cash from they previous dealers.
But not used Wheelies before. Apparently they only have one guy building custom bikes. If I want a Prince Albert frame, then they cant supply a built bike, but still want me to order all the components from them. At least that shouldnt take too long.
An off the shelf Rockhopper is fine as the other replacement.
Out of interest, are their prices less 20% comparible with, say, CRC and their continual 10% online offs? if there’s no difference, I may as well get the Dialled frame and order online from CRC to build the bike up next week.