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@pete
was it insured seperatly? otherwise, the max ull probably be able to claim is £500 off the house insurance.
and yeh.. they will make you get a pre-built. my lovely Cove Stiffee was nicked last year, and they insisted i get a £2000 replacement.. however, of course, none of the big companies make a £2000 hardcore xc hardtail frame... had to get full-sus spesh.... bastards!
just check the local estates, found a bmx of mine at my local once.