Might be worth qualifying when you made a claim, as if its since they switched underwriter to AXA, they aren’t very good in handling claims in my experience
Personally I made a claim after we got burgled last year and it was a nightmare.
You can only use wheelies, if you want cash be prepared to write off 1/3rd of the claim. Wheelies don’t have test bikes, and if you have any problems be prepared to send stuff backwards and forwards until they sort it out.
All in all took around 7 months to sort out my claim to replace, tools, bikes jewellery and electrical items.
I must have spent around 4-6 hours on the phone per week for around 8 weeks as well, as I will call you back needed to be prefixed with ‘when hell freezes over’.
The issues might have been as the claim was fairly large ……