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@Velocio
Just read above... beware insurers who give out vouchers!
These are the vast majority of insurers and basically unless you can replace your bike and everything on it from Evans, don't allow yourself to be insured by them.
I know for fact that More>Than give out vouchers, same is true of nearly every major high street insurer.
In computing we say that backups are only good if you have proven that you can restore from the backup (that is, there is no point making backups if you can't actually restore the data in the backup in the eventuality that you need to)... I'd say the same about insurance, it's only worth doing if it absolutely can replace the item you've lost. Unless an insurer is going to give you like for like value in hard cash then don't insure with them. Simples. You'll be heart-broken if you lose your NJS track bike and were only offered a Bianchi Pista from Evans in exchange.