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@Bezzin
For what it's worth, I was knocked off my bog-standard hybrid (£350 new) and the insurers paid me £1300 to not talk to them ever again / claim for personal injury / replace the bike. Similar story - took the bike to a mechanic who told me that it was definitely not rideable, despite no obvious damage.
The insurers even tried to MAKE me go for physio, despite the crash being at about 10mph (me going into the side of a van that turned across me). Admittedly it was a delivery van that hit me so I guess they were insuring a fleet - perhaps they're happier to throw money about as they insure far more vehicles rather than a personal policy. I say ask for the full value and see what happens.