ASK TONY: Why did home insurer slam brakes on £900 e-bike claim?

Two weeks ago our garage was broken into. They stole my mountain bike, worth £800, and my wife's e-bike. This was worth £1,500, but she bought it as an ex-display for £900. https://www.dailymail.co.uk/money/experts/article-9368121/ASK-TONY-did-home-insurer-slam-brakes-900-e-bike-claim.html?ns_mchannel=rss&ns_campaign=1490&ito=1490