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stevo_com
On the flip side to all of this... Hiscox Insurance, with whom I have my contents insurance, covers the bike.
They are fantastic.
One phone call, and they have recorded all details, will call again tomorrow with a follow-up, and basically think that were I to make a claim that this would be no problem at all.
My only hesitance: I aim to buy a home within the next 12-24 months and dread answering yes to a "Have you made a claim on your insurance in the last 5 years".