Insurance won't pay for claim

I had a bike crash over the weekend and logged a case with the claims department.<br> <br> I was asked to take the bike for an assessment and get a quote for repairs, which I did this morning.<br> <br> Once I sent the quote to my claims agent, I received a callback saying that only one out of 6 items on the quote will be covered. THIS IS UNACCEPTABLE.<br> <br> My bike gear (helmet, wind jacket, top and tights), which i was wearing and is incredibly expensive, was damaged in the crash and for some odd reason is not covered by the insurance. Also, my back wheel was damaged and because stores don't sell wheels separately, momentum is now refusing to cover the cost of the front wheel.<br> <br> WHERE SHOULD I GET A REPLACEMENT FOR MY BACK WHEEL IF THEY ONLY SELL WHEELS IN FRONT AND BACK SETS?<br> <br> I feel this is utterly disgraceful as the cost of the claim is a fraction of what my bike is insured for.