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Difference for me is 600 quid vs 3000!
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If you can afford not to go fully comp, then don't.
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My view after two bikes stolen? One on fully comp and the other TPFT.
Never again. Not within the M25. Not on a cheap bike. The hassle of the whole rigmarole isn't worth the stress. It was cheaper for me to replace the bike then risk rising premiums. After second theft (Neither of which was my fault) my premiums went through the roof as I'm a risky customer. I'm now on third party only. Bike gets stolen, just replace the bastard and keep my no claims discount for cheap insurance.
I used to live in the Hampstead area, so not exactly theftville.
Your call.
PhilDAS
hugo7
Chak
@Dramatic_Hammer
Insurance - worth going fully comp on a cheap bike or just get the cheapest possible? There's about £100 difference in the premium (and a hefty excess). I think I'd rather spend the £100 on extras (legal/leathers/etc).