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@Rowhan
Nothing in their terms says your accident has to be due to somebody else being at fault. My insurance policy covers specifically for Malicious damage or theft by others, and **NON-COSMETIC **damage whilst out on the road.
I already have the safety check / report from Sigma, stating the bike is a total write-off, i.e. strongly advising that it not be ridden again, the damage being so extensive. The insurers say Sigma's report *should *be fine if supported by the photos of my injury/injuries and each visible bit of damage to the bike.
Not expecting a full replacement but hoping for most of it, or enough towards (as someone put it) a "better" bike...