Stolen bike - CCJ - Insurance pay-out conumdrum!!!!!?

Basically, I had a motorbike on a finance agreement. Eventually I fell behind with the payments and this resulted in going to a CCJ. Some time ago, my bike was actually stolen and I still haven't heard anything from my Insurance company. It's been 9 months now.
What is confusing me is, should the money paid out by the insurance company be paid straight onto the outstanding finance agreement, or come straight to me??
Either way, both companies are telling me different things and I want to know where I stand?!?!?!?
 
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