I bought a bike of selectbikes almost a year and a half ago, It got stolen 6 months later I informed the police and they said go through your insurece so we did, and they bascially without asking any questions said, you can have anything upto 1500 pounds if it was stolen from your house, or 1000 pounds if stolen anywhere in the uk, them prices are a maximum on bike btw. My zoo that i bought from selelct bikes was 900 pounds, and i got 1300 out of them and bought an echo team from tartybikes, All i had to do is send my reciept to my insurence and they wrote the cheque for the amount i needed, basically if your going to do it get tarty ti make a a quote on a more expensive bike, then say its the nearest there is now and its more expenive, worked for me, no questions asked. hope i helped. cheers andy