setting aside Archie's point, the problem you face is this. How, apart from visiting a cycling forum, can you get good professional advice? And by professional advice, I mean the kind of advice that is of such standing that the giver of the advice is insured. And the question you must ask yourself is whether or not you are going to accept the judgement of somebody employed by the insurance company, or somebody who has a financial interest in doing the work, or whether you will seek advice from somebody that you appoint.
And the next problem is that if you decide to seek your own advice, (that is to say from someone who owes you a duty, and not the insurance company), then that advice will have to be paid for. And it may well be that the advice will not be forthcoming unless exploratory work is undertaken.