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@mowgster
Mate hope you're all ok?
Sux balls, happened to me a few months back. My bike was covered under my house contents insurance, so I claimed from that, they provided cost of new bike, damaged clothing etc, but I had to pay my excess (like £200!!!)
However, as it wasn't my fault and the driver didn't dispute, my insurance pursued her insurance firm to pay back that excess....not come through just yet, but when it does I'll get another cheque for the £200 excess refund from my insurance company.
The nnoying thing though is I'm trying to recover the additional costs (e.g. public transport travel to work, cost of getting bike back via cab etc), but that might need a solicitor as my insurance company won't cover it...
Hope that helps somewhat mate?