SOunds like one of those rare incidents when the 'must use halfords' for insurance replacement is playing in your favour. Do it, but get someone mechanically competent (if you're not confident) to look over the bike before riding it.
You should be able to get it well below RRP on-line, point is that at RRP SRAM Rival & Shimano Ultegra are a very similar RRP price. What you can get them for on-line is another matter, as I paid around £1k for my SRAM Red groupset down from a RRP of £1700
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