*Finally* I have the insurance claim settled. To be fair to the Insurers (Towergate) they went in low initially with the first proposal, which I rejected and gave good reason, and a few days later they came back with a reasonable offer which I accepted. Money was in the bank the day later and new engine (I cannot get one second hand so new) ordered now for fitting hopefully at the end of next week.
I will be a few quid out of pocket but I will have a brand new engine with a 5 year warranty so the money can pretty much be justified. I'd much rather have the old engine back but it could be damn sight worse.
I cannot emphasise enough that if you have insurance, read the policy and make sure you tick all the boxes with engine locks etc. The first thing I was asked for was a copy of the invoice for the lock (which I kept). No invoice, and I would suspect no settlement.
Jerry Springer thought for the day: Having your engine nicked is a crappy experience but to anyone who has the same thing happen (and I do not wish it on anyone) - persevere, be methodical with your claim and it can be sorted out. Send as much information as you can to the insurer. I sent a 10 page document with photos, rather than just completing a paragraph in the standard form, sent the engine diagnostics from the previous service and managed to be polite with the claims department every time we spoke. Look forward and not back and before you know it the 28 days of waiting are up and you can get things arranged to get back on the water.