I’ve been in touch the insurance company (Direct Line) and they advised that they use an intermediary to replace bikes. I said thats fine if its like for like and they have asked their intermediary company to provide a quotation only at this stage.
I’ve just spoken to the intermediary, and they asked what bike it was etc, how much I paid, and what the main reason for me choosing that bike and spec. I said I chose the spec because it was full XT groupset. I asked if that would mean they could offer me any comparative bike with an XT group set and she said yes they could, but she wouldn’t discuss it any further.
Also I paid £1800, but the equivalent specced Anthem, now X1 is £2400, will they just pay out to £1800, or will they pay out to the full value.
Still cant get over that some one will follow you home to nick your bike. At some traffic lights 5 miles from home or so 2 blokes in a van had a very good look at the bike, and I thought at the time they were looking a bit too much.