Originally Posted by
merlinextraligh
If the loss of your bike is a financial hit you can't afford, then you spent more on the bike than you should have.
Or I could just buy an expensive bike and get cheap insurance... what I've done. I bought it with savings, but the thing about savings is you can only spend them once. I spent them on something I'd enjoy, I see nothing wrong with that.
Also what if you smash into the side of a £250k lambo, I'd rather have the insurance pay for that.