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I've no experience with Direct Line, but based on my experience with other insurers they will offer you an equivalent brand new bike, or the cash that the equivalent new bike would cost
hazzelfrazzel-
Thanks - so direct line have offered 785 cash - calling a modern Marin muirwoods an equivalent frame and components- it could be worse - but do I argue the toss on equivalency ? request additional cash to cover rear rack, guards and lights (which I provided receipts for) or just be grateful and take the 585 (after 200 excess) ?
Sheppz
So Marin hybrid ( 1994 ) stolen this week - I have the original bike shop receipt for the princely sum of £ 389 (790 odd now according to Bank of England inflation calculator ) and £600 worth of receipts from 2018 for upgraded parts (everything new except f+f basically ) it should be covered on my contents but any idea how direct line will approach this ? Equivalent bike would be - I guess- a low range genesis CDf kinda - or one of the 1k ish Marin urban grav-grav offerings .