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.
if i was getting it bought for me by the insurers i'd go for columbus spirit or reynolds 853, in the oversized version, tigged, fillet brazed or lugged. try and test some bikes, see if you like the ride/weight/stiffness/whatever, although they should all be fairly comparable at the same price range. as said before the way the bike is built will have a big impact.
in terms of columbus cromor (i think you asked a question earlier?) - this tubeset and the others you've mentioned are worlds apart: i have a cromor frame and it is fairly stiff for steel but also heavy, whereas spirit and the like are much higher end tubesets which are very light, and can be very stiff as well.
if i was getting it bought for me by the insurers i'd go for columbus spirit or reynolds 853, in the oversized version, tigged, fillet brazed or lugged. try and test some bikes, see if you like the ride/weight/stiffness/whatever, although they should all be fairly comparable at the same price range. as said before the way the bike is built will have a big impact.
in terms of columbus cromor (i think you asked a question earlier?) - this tubeset and the others you've mentioned are worlds apart: i have a cromor frame and it is fairly stiff for steel but also heavy, whereas spirit and the like are much higher end tubesets which are very light, and can be very stiff as well.