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@Velocio
Get a better policy.
Most insurers will pass the buck, because you get what you pay for.
Most insurers, if they pay out, will give you vouchers for Halfords or Evans rather than cash, because you get what you pay for.
Most insurers, if they pay out, will treat your bike no different from the hybrids nodders use, and will assume that depreciation is equal... a third off every year, because you get what you pay for.
Go with an insurer like Hiscox who are used to insuring art and collectibles, and be prepared to pay for the insurance. Then you'll be given the full value in cash when something happens.