Le Z Turbo my advice is start a new thread, Zero uninsurable in Europe (even if lightly damaged). Link it to this thread.
Does your insurance company record your calls? If so ( I make sure they do before speaking to them) Ask your insurance company for all emails letters and calls on audio CD and ask for transcripts-text documents.
In Britain is called a "Subject access request" under data protection act.
We have to pay £10 for the info and they have 40 working days to supply it. I assume in France is simillar. Then go to ombudsman or French equivelent (google) with you details and after 3-6 months you get paid out big money including if you ask for it costs for replacement mortorcycle you should have been provided which you were denied through no fault on your part. The last bit is important as it can be more than the cost to repair. Done it 3 times successfully here. Insurance will expect you to give up easily. Don't it pays very well if you are the last on the pile to deal with.
Hope that helps.
Bon voyage.
Any trouble let me know and I will buy collect and fix your bike if it is possible. I do that with aeroplanes so no trouble to me