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@ex-pat_scot
That's the impression I was starting to receive...
Spoke to the insurer yesterday and was sent straight to their legal rep who started questioning how old my helmet and shorts were.
OK so they are pretty old, but I'll have to replace them with new and therefore I don't want to be told I'll only get a couple of quid to cover this. If they start getting awkward then I'll have to make sure I don't get done over.
Thankfully I remembered I had free legal expenses cover from my household insurance, so I'm going to get them on the case.