• The insurance company will do everything they can to pay as little as possible and pay as late as possible. (Hey, they have to keep the shareholders happy). You may have to get two or three quotes, all from bike shops who you trust to do good work on the repair, and can do it relatively quickly.
    You should be telling the insurance company that you will be charging them for other expesenses, eg. taxi fare to take your bike around to the bike shops, public transport fares until you get your bike back, time spent ringing and writing to them, stress, beer for stress, etc. You should keep a record of all your phone calls, perhaps confirming the details in writing. Send them copies of the photos every time you write - and charge them for it. If they think the value of the claims is going up the longer they delay then they might act quickly.

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