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@BrickMan
as above, anyone rolling without insurance shouldn't be rolling at all. A loss sucks, but a business will be insured in some form or another, or maybe they are after bits so that they can work right now. Being involved in a bike shop insurance nightmare, its not fun, it drags on for months and despite being spot on book the insurance co left us with a gap between what they were offering and the true cost of the loss, i.e. labour hours lost due to no shop to use! That was down to the fact the insurance deal on the shop was a very very basic one.