Excess or MCE/BikeDevil

[rac3r]

No one wants to really insure me on the Streetfighter apart from a few companies. My cheapest options are:

Motorcycle Direct £540 with £750 Excess

Or

Bike Devil £640 with £800 excess BUT they give free excess cover

I asked motorcycle direct if they offer excess cover but they don't. Both policies are TPFT. Which one would you choose?

(I know both are shite in terms of excess price )
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Bikes : 2006 CBR125R - 2004 Monster 620ie - 2004 ZX-6R B1H - 2005 Monster S2R 800 - 2011 Street Triple - 2009 Streetfighter 1098 - 2014 ZX-6R 636

[P.addy]

Wouldn't worry, excess has never been paid on any of my policies and accidents.

If its my fault, I'll cough up, but if its not, they can fuck off and ask for it from the other side.