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@AJ531
I can't speak for the personal injury side of things but cycle guard were absolutely brilliant when my old bike got stolen. You get the insurance amount as credit at the store of your choice, to buy whatever you want in that store. I ended up getting a groupset and set of carbon wheels and then buying frame and the rest myself.
They were great to deal with, so just thought I'd share my good experience and recommend them highly !
Hope this helps other people !