Buy winter 125 or bike I don’t mind binning
and still hurt yourself…
I’ve always had a car as a backup, as in I always bought new M/C’s but ran old cars. In 2011 I missed less than 5 days riding due to frost/snow, but I then lived down near London – so far warmer and more traffic to keep the roads clear.
I now live north of you, and if I was contemplating a M/C for commuting, based on 2012/13 I’d need a backup plan for at least 4 months.
Anyway, did you check how much the premium lowered but putting a high excess on fully comp quotes?