Has anyone had experience of getting a new bike on insurance after having it nicked, particularly if they have been covered by Marks and Spencer home insurance? I only have sketchy details so far but they have agreed that I am covered and are passing me onto some bike supplier or something who will arrange the supply of a replacement. Would this be a straight swap if possible or do I have any choice in the matter? I had a Ridgeback Genesis 00, 18 months old but did upgrade the wheels, stuck on it bar ends, skewers, lights and stuff. I have no real evidence for anything I bought. How can the value be proved?