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@christianSpaceman
Doesnt matter for you, but I guess the insurance company leave themselves a bit wide open - bike shop can quote what they like, and upgrade your parts a little here and there, and apparently guarantee a sale.
Also, I know this isnt possible in your case, but wouldn't you rather get (say) a £1000 quote at 'listed'' prices for a bike, get the cheque then spend that £1000 in planet x's (or equivalent) sale?