I'm not pretending I have the monopoly on sense,I do however claim to be sensible in my approach to risk,my house insurance has a £100.00 excess on thing's like bike,so I could get 2 bikes for that of ebay,without my insurance premium going up,that to me is common sense,of course I don't enjoy riding a £50.00 bike as much as I do my Raven,that bike means a lot to me in the short time I have had it,and I intend to keep it a long time,I tend to get attached to thing's that I have had to save long and hard for,like you say I could just fill a form out and get another one from Thorn,but that one wouldn't have the memories of this one would it?,and yes to an extent there is such a thing as making yourself a victim,would you for instance walk down certain area's of major cities at night using an expensive phone?,anyway this is wandering well off from the original topic so thisis the end of thing's as far as I am concerned you have your views and I have mine.