Any question answered...

So to elaborate: my every day bike, which is the only bike I own I'm happy locking up around town, is still fooked from an RTC. Where can I get an equivalent 'hire bike'? You know, drop bars, single speed, steel frame, full length mud-guards... It's my main mode of transport and not having it is now massively inconvenient now I can ride again.

Or shall I just buy a new one and bill the twit driver for it?

In that case which steel touring frame with track ends / bosses / long drops?

Howard Lunar cycles deal with a company that works for cyclists go through insurance claims and they sort you a loan bike which they bill to the insurance company - they might be able to help?
Can pm you their deets if you'd like.