Pale Rider
Legendary Member
That statement is meaningless until the £X variable is assigned a value. That is what insurance compensation solicitors do for a living.
There is more than one way to approach this.
The OP is quite at liberty to say: "I will take £5K all in."
His solicitor should advise on what would be a reasonable sum.
No need then to mess around with bike valuations, medical reports etc, etc.
The insurance company may accept, they may not.
Equally the OP is at liberty not to claim anything, claim just for the bike, or to go for the more long winded approach of totting up all the expenses as they accrue, then adding something for his pain and trouble.
It depends on what the OP wants to do, he instructs the compensation solicitor, not the other way around.