What insurance do you have? Comprehensive or TPFT?
If TPFT then the insurance companies attitude is pretty normal if comprehensive its reprehensible.
The proper proceedure for Comprehensive is, you make a claim and the insurance company fixes replaces your bike, you have to pay the excess and then you calim that excess back from the other drivers insurance. You insurance company claims its losses and once paid your no claims, which will have been suspended, is re-instated.
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