i just wanted to know what kind of insurance do you get? TPFT will save me a lot of money and also as im expecting to come off the bike it might be even better cause then i can just get it home and sort it out without it being put on a category!?
If it was me and i was 16/17 all over again i would be looking at TPFT.
And a cage for the bike 
Fully comp - but it’s cheap at my age. Do the maths - if there’s not much difference - go Fully Comp.
If there is - weigh it up I guess.
Definately TPTF on a Cheap first 125 bike, the premium will be more than the bikes worth if you went FC, if you damage a Supermoto they are so cheap to put back together (even more so if you able to do it yourself) so save the Money on Insurance and put it away towards the next Bike 
TPTF probably what you can afford, so try not to crash.
Too many variables to know 100% but I would look at fully comp and at TPTF and decide based on the premium.
I would suggest saving up to be able to pay insurance all in one hit, rather than monthly, as you pay around 20% interest by paying monthly.
The first year sucks, no doubt about it- but as you start accruing no claims bonus it makes it easier.
Well I just checked and there is a 370 quid difference and for let’s say something like honda cbf with so many of them around the parts are cheap so even if I have to change the fairings and all the lights 3 times in a year I’ll still end up saving money!
i allways go tpo on my bikes because there not worth much and i can fix them myself
but with so many bikes getting stolen everyday i would prefer to be covered for theft!
Definately get Theft Cover too.
Also if you are riding it to work you MUST get Commuting cover (it’s Not really a great deal more) but if you have an accident during working hours and you have work clothes on (regardless if you’ve been home first or not) they will say you were commuting and not pay out!!
yeah i know im not planning to lie or anything i know i could save a few quid with putting in a few false details but hey if sh1t happens then all the economy is fu**ed
I like the way you’re planning your accidents! lol
LOL I know I shouldn’t but come on it’s my first manual bike that I will use on the road more than likely I will mess up a shift on a wet roundabout and slide or silly mistakes like that. It all comes with experience and I’ve only got 2 months of it which is equal to nothing on a bike
Fully comp wasn’t much more than TPFT for me - maybe about £40 difference.
The difference…includes legal cover (for a solicitor, if you have a contested responsibility for an accident with no witnesses) - which can be very expensive. Solicitors charge as much as they can fleece people with, just to write puny letters which Darwinian mammals could do, however are not as cute.
Thing I don’t understand …you say this is your first manual bike. What else is there? You do realise, scooters are not bikes 
Dunno if this helps. My instructor used to hector me: start off by changing attitude & mindset: accidents never happen by chance. You spend 2 minutes before you set off, thinking whether you’re going to work on your gear shifts; or brake distances; or road position, and chart the different road tasks you’re setting yourself. If you just bimble out on the bike brainless, then sadly yes, you probably will come a cropper. We can try and reduce our chances. “Staying alive” is not a part of a riding plan! That is a given! How you stay alive, by planning to take roundabouts cautiously, building up your speed and road positioning and indicator discipline etc all come in time and riding is more enjoyable when you have a goal for how you progress on the road, instead of just thinking about getting to the pub destination mindlessly.
I guess this is what comes under biking mindfulness?
Romeo you have said what i think. when i get my bike and its all ready im not gonna go on rideouts or do silly stuff for at least 2 months because for the first 2 months i will use the bike to get to work and college and when im free i will just ride it to a random destination on the other side of London to gain experience!
TPFT.
buy an old (ish Shitter) bike knock it about pass your test do the same thing on a bigger bike get experience worlds your oyster
You need to do the maths. If the price of the policy plus the excess is worth more than the value of the bike then go third party only, because in that scenario if you crash it or it’s stolen you’ll pay the same to your insurance company as you would have to if you just replaced it yourself.
Other than that you need to compare the price of TPFT versus FC. If the difference is more than the value of how much damage you think you can do to it then consider 3rd party.
So for my first year on my old CB500 I had TPFT because it was only worth £1100 so if I crashed it then I’d just have to take the hit. When I did come off it, I think I did about £30 worth of damage, it was mostly cosmetic. For my 2nd year the insurance company advised me to consider Third Party Only because the policy plus the excess was £1K, third party only was only £300.
For the 600RR I went FC because it was new and on finance so if I pranged it myself I wanted the option to be able to get it fixed. Also the amount of potential damage I could do it was absolutely huge compared to the CB500 which happily slid down the road on it’s engine casing. Plastics are the main issue on a sports bike. You can easily rack up a grands worth of damage if you break a few panels even in a low speed drop.
Your last point is a myth and in respect of fleecing people, total rubbish. 
If you are involved in a crash which is not your fault, you can get legal representation under a conditional fee agreement (no win no fee) and providing you play by the rules, namely don’t lie, then it costs you nothing and means that you choose a law firm you want, even though legal expenses insurers are supposed to let you choose your own law firm anyway (Anyone seen the letters that DAS are now sending out?) and avoids you joining the sausage factory.
If the crash is your fault, it matters not anyway as this is why you have to have a minimum of third party cover.
When I was 16 it was Third Party Only all day long. TPFT was out of reach for our pockets. Although back then there was more steel and iron than anything else, a few well chosen blows of a hammer an old sash weight and you were on your bike as it were 
When comparing the outlay for TPFT vs FC don’t forget to also factor in the Excess