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I am sorry to hear about your situation.
Please note that this is not a chat service therefore you may experience delays but rest assured that I will respond within 24 hours.
Is it the case that the insurer are offering an amount not equal to the repair costs?
Thanks for the further information.
I suggest you directly contact the insurer and ask for a written breakdown on how and why they arrived at the figure in question. Once you have this information you will understand why they have offered a reduction.
That said you should ask the insurer whether they are prepared to undertake the repairs to the bike given they are not prepared to accept the dealer's quote.
I hope I have clarified the position.
Thanks and stay safe.
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Thanks and stay safe