toadie

What you get offered will be based on market value of the bike, not what you said it was worth when you insured it, the only way to ensure value is to get an "agreed value" policy.

As you are currently claiming off "your" insurance policy, the argument of value will be with them, not the TP, as your insurance company will be settling you and then claiming from the TP insurers.

Get plenty of examples of identical bikes at dealers and private adds, to prove value of bike and, as stated earlier in the thread, don't except the first offer.