What’s happening with insurance quotes? I was paying about £1k last year fully comp for my CBR600RR 2008. I am bikeless and want to buy a bike and the only stumbling block is insurance. I’m getting quotes for TPF&T for the £1k+ and £2k+ for fully comp for a similar bike.
The excess is a bit steep. You might be able to lower it if you keep looking around. 
I’m literally having the same problem 
The excess or the 25K premium? 
Option 2 looks much better than Option 1…