people that believe that
either havent ever used components below deore
or
dont know how to set up and keep derailleurs adjusted

when new
and properly set up
even the cheapest of shimanos indexed derailleur systems
shift flawlessly

the difference between less and more expensive
is generally how well the derailleurs stay in adjustment after a couple of seasons use

btw
what sort of bike did you have in the first place
and why does your insurance company get to specify which bike you are getting
as this is certainly not how i have seen the process work in the past