I have only insured with Bennetts once and to be honest had no problems, but no claims either, so does not mean I'm taking their side. My general principle when dealing with any insurance company (broker or underwriter) is to understand that they are all lying, cheating and thieving scumbags. This stems from many years ago when my broker totally fabricated stories about me in order to avoid responsibility for the mistakes they repeatedly made.
Having been knocked off a few months ago I am currently claiming against the insurers of the van that took me out. So far so good, but we've not talked numbers yet. However...
While lying on the hospital bed with my collapsed lung (and other injuries) I argued with and eventually convinced my wife to get my bike back home. No matter what the damage, I absolutely wanted it back in my possession while negotiations took place. I've seen it happen before that they are very slapdash with regard to disposal of the bike and when it is agreed they you will be buying it back, they then admit it's already been sold elsewhere. I was not about to fall foul of that tactic with regard to this bike.
It is mine, and in my possession and will remain so until I sign an agreement with the insurers stating otherwise. They will NOT be able to steamroller me into losing my bike. It is special to me and despite the horrific cost of all the damaged parts (well done Honda and their current out of control parts pricing), I can repair it for much, much less. No insurance company will ever pry this out of my hands.
I appreciate this would not have been easy for the OP, but there are bike transport firms and I would strongly advise anyone involved in an accident to do what it takes to recover your bike to your home (or somewhere under your control). This puts you in a stronger position to control the destiny of the bike and final outcome of the financial negotiations with the insurers. Did I say they are all lying, cheating and thieving scumbags.