• I wonder does anyone know if it have any baring on the matter if the driver was the one who has claimed on his own insurance. To clarify, I haven't put a claim in to him, he has decided to cover the cost of the damage by personally claiming on his own insurance.

    So provided I am being reasonable and not saying I want a new £3000 bike, a replacement bike costs £1600, so I wan't £1600 to replace it...

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