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jakemcree
A mate of mine got into the same situation and she took the driver at his word that he'll go all the way with no issues. Went as far as to offer to drive her around and kept reiterating that he was a 'decent guy'.
It all changed when he was told the bike was a write off. His tone got hesitant and dodgy pretty quick and this was just for a £300 hybrid. In the end it took too long to involve the authorities, he refused to pay the full amount, and totally lied about his insurance details when she asked for them. She had to settle for half the value of a new bike when he was pressed just so she can avoid the escalation.
I really don't think a lot of people realise how expensive bikes can get and expect 50 quid to cover it.
I would do as @Howard suggests, and look out for yourself when it comes to this stuff. if it turns nasty, you're far more likely to lose out in all forms of ways.
It might feel harsh to begin with, but that's what he's got insurance for.
Best of luck.