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You're going to pay £1000 to insure a bike a year at least.
Not true (unless you're riding a £10k bike perhaps) - my £1400 bike cost £130 for the year to be insured for theft, accidental damage (ie crashing) and vandalism, including 3rd party cover and breakdown assistance.
Don't want to keep banging on about it but I keep seeing shit deals and misinformation everywhere!
https://www.eta.co.uk/insurance/cycle/
Dramatic_Hammer
@skinny
You're going to pay £1000 to insure a bike a year at least.
Just race something you can afford to crash. The chances of doing a frame/forks are slim as andyp said.