Guys, I'm not entirely sure what the relevance of whether I saw it or not is? To answer the question though, I know it looks fairly easy from the bottom and one pic with the crank off but when you're looking from the side the hole is hidden by the crank. Also, please bear in mind: 1. I've not said my insurance is wrong, I didn't come out blasting them for crappy service which is why I've purposefully left out details of the company. I've asked a question from fellow cyclist so that I can decide if this would've happened with an big/well established insurance company which means that whether I'm paying R1 or R300 the outcome would've been the same. Also, if there is any grounds for me to challenge this? 2. I'm not trying to rip off my insurance and if they back this up this decision with logic, then I'll do what I need to do to get going again.