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@starfish&coffee
we'll get back to the discussion of how to handle insurance when you guys get run into too. in the meantime I'll take advice on frames please.
EDIT: OK, sorry that I got a bit grumpy there. just been trough a shit experience which still hasn't been resolved, your off topic patronising wasn't helping.
common practice is that the insurance quote is written after a specialist shop (or similar) has seen damaged propety first hand, so online stores are out of the question. yes there are ways you can tweak and arrange an insurance payment to work for you, especially if you are friendly with the bike shop in question. but if I was about to do that it's not the sort of thing I would discuss on an online forum.
Now back to "current projects" please.