Its crap when this happens,i had two taken a long time ago from my shed,the insurance were trying to point me to halford and vouchers even then,but i to;ld them ill have the money so i can get what i want,i included all locks,tools(in the saddle bag)lights, computer ,pump ect,and recieved nearly £1000.I had new for old on my house insurance,they also pointed out if the shed hadnt been locked i would have got nothing.Be firm and dont let them dictate,its your insurance and you have a say in how you replace it.