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Hi,
I think in your position I'd check if you have to pay the excess if a 3rd party makes a claim against you.
If the answer is no excess on 3rd party claims then I'd take the TPFT and as the bike is worth £150 over the excess I simply would not claim in the event of FT so I get the no-claims the next year.
If the excess is payable on 3rd party claims then I'd get the 3rd only option as finding £1100 following a prang would be a pain.
Keep searching and good luck.
Andy
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