My insurer (Swinton) put me onto www.4th-dimension.co.uk who are due to take my bike away and pursue a claim against a third party, with the intention of recovering all costs from them. I think it likely that the bike (an ageing Yamaha) will prove uneconomic to repair and so will be written off for insurance purposes. In telephone calls 4th Dimension representatives have assured me that I will not be charged anything even if the claim is dropped or proves unsuccessful and that the bike will be returned to me. However, they are not willing to confirm this in writing which I find odd. Does anyone know if this is normal or a cause for concern?