Thanks for all the replies, I'm thinking it maybe better just not to make a claim, I'm with MCE insurance and just realised my excess is ridiculous (£1,650) bike was only worth about £2,200 and if I make a claim my future insurance shoots up so going to lose out either way! It's an expensive lesson that won't be repeated and definitely won't be getting my new insurance with them! Can I just advise them I want to drop the claim and cancel my insurance? I paid it all up front rather than instalments so won't get a cancellation fee surely insurance was ending in April anyway