I had the same issue once, and the insurer told me to take my bike into a bike shop and get them to value it. Don't try to value it yourself, because if you need to make a claim and your assessment is off then it might look like fraud and then you'll likely get nothing.
I had the same issue once, and the insurer told me to take my bike into a bike shop and get them to value it. Don't try to value it yourself, because if you need to make a claim and your assessment is off then it might look like fraud and then you'll likely get nothing.