They chose a night when the weather was particularly nasty and no one heard a damned thing. He woke in the morning to find his most valuable possessions gone.

Worse was to come when he read the finer print of his insurance policy only to find a maximum payout that was only halfway to the cost of replacing his collection leaving him with a £3000 shortfall!

So the question is, how much is your bike really worth? After all those internet bargains, all those Hope goodies that you really needed to improve your ride, what would it now cost to replace the lot?

We have included a ready reckoner to help you with the task, you may get quite a shock although not as big a shock as when the wife catches sight of it!!

Click here to download our ready reckoner