Accident - ended up going knock-for-knock. Got cheque for £1625 for the bike. Which was it's second hand price. Got 50% of second hand price for my helmet and clothes damage (off his insurance company, my half wasn't insured if that makes sense). Got 50% of my excess paid by his insurance company.
Went to cancel rest of years insurance to get that money back but small print = they cancel it immediately and keep the whole year's money
Decided I want a bigger bike - booked into DAS - and choosing between the two on the OP!
Altogether, even though I was fully-comp there is NO WAY I could replace what I lost when I had the crash with the insurance money .. which leaves a slightly sick feeling in my stomach At least I wasn't just third party ..
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