My claim through the AA home insurance was painful. Tried to wriggle out on outbuildings limit, which was not properly explained at time of taking out the policy, despite me asking and explaining several times that whilst only one bike exceeded the named item value (and was therefore covered), the other rest of the claim should be capped. They went back to voice recordings when policy taken out, and settled for full claim less expenses. Apparently they do not expect the person selling you the policy to understand the policy they are selling.
Claim then went to Wheelies, who were actually really good. They asked for details of the bikes stolen, and very quickly realised that cash settlement would be more cost effective replacing with new (most of the bikes had been built up from parts be me rather than off the shelf) and approx 1/3 of the claim was for parts, not bikes.
Having all the email/receipts from purchases, be that shops or eBay certainly helped evidence the value of the claim – yes I rally did pay £110 for a pristine/barely used set of M900 mechs, and only £275 for a an early 80s second hand Witcomb steel road frame with 1st gen Dura-ace mechs – maybe I should have stung them for a brand new custom steel frame and Dura-ace group set.
Won’t have anything to do with AA Insurance since.