but there are a lot of factors involved and it does come down to the maths...
when I had a 2k gpz500 living in croydon, tpft was 550 pounds pa. also first bike. new licence. with a 3k SV650S in Ashford, tpft was 350, fc 475... for that I got life insurance, legal assistance, breakdown recovery - including european breakdown recovery so when it goes on the eurotour I can get it back...
hmmmmm good job as using legal assistance with my october accident and the breakdowns been used three times... (which at around 150 pounds a go means Ive saved money than if Id had tpft)
gotta get your moneys worth eh?