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@Greasy_Slag
Does M&S settle it in gift Vouchers? thats a shed load of pre-cut veg and good reliable underwear.
I made a claim through lloyds home contents, they only insure up to £500 payable as a Halfords voucher! So i got a kick ass tent
Butterworths provide good cover, at a cost BC bike insurance have a few issues
1 - They select the specialist supplier &
2 - Bike parts are only claimable if they "are damaged"
oh you can't claim if you use a bike for work, and there is no personal injury cover.
More Than pay cash to an amount that matches their chosen supplier and provide no parts cover cover.
the odds are staked against you. as always!