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@Sanddancer
I assumed that they've cover anything, just cap the payout at that amount.
I claimed for an accidentally damaged bike with a value of over £4k. They priced the cost of replacement parts at £3400 (frame, shifters, rear mech, pedals) and offered to replace the parts through wheeliesdirect or a cash payout (minus x% because they get a discount when supplying or fitting replacement parts).