Currently negotiating with the insurance company, they really are a bunch of scallywags.

Initially they told me it would be written off on Tuesday
I laughed off their proposed valuation on Wednesday.
Thursday they sheepishly came back to me with an alternative option where they do the full repair and I have to buy the panniers separately. Based upon higher valuation they cam up with.

I have just sent them my research on the value of the bike, which is not far off their proposal together with the repair cost showing break even at 65% of the bikes value assuming retail prices.
they get a lower price, and they get the VAT back, so the nett cost of parts should be at least 35% cheaper than the quotes I have obtained and passed along to them.

Will be interesting to see what they comeback with.

What is noticeable is that the Xt660Z tenere's have held their value well.
If doing 5000 miles a year or less, there is no discernible price difference between 5000 miles and 17,000 miles up to 5000 miles seems to command a �1000 price hike, and beyond 5000 miles a year seems to drop the price by �600.
Also the original equipment Panniers consistently add �450 to the bikes value. not so for Generic ones. (interesting)

Not too phased about the Yamaha Panniers, as they really are quite crap for an adventure bike, so will replace with Givi Outback trekkers. Also makes my alternative soft luggage easier to attach.

In short things are looking up and I may well be on my way to "the vince"!