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@MechaMorgan
Right, I'm thinking of going with ETA - is it worth getting their 'custom bike' insurance with a quote from a bike shop or just plugging in an estimate myself? Both bikes have been built from the frame up, so totally non-standard.
Also, if the latter, what should I quote as the cost? Total cost of replacement, new for old, what I paid, or an intermediary sum? I think if it's new for old I might not be able to afford it :(