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@Poppy
Factor in some hassle and suffering ££ for the bruises. Personally I reckon you'll do better going via the insurance company. No experience (yet) to base that on just intuition, but you'll get £ for a proper repair job on the thorn, damage to clothes, bruises £ etc. Do report the accident to the police anyway. A new Thorn frame plus clothes plus bruises got to be getting on for a grand or more. No way is that not going to be an insurance job.