3rd party ect. or fully comp

[metamorphpwner]

Hi,
Looking to get my first bike in a few weeks, hopefully a kawasaki ER6-F.
first quote from bennets is £1069 fully comp and £427 third party, fire & Theft.
for a bike is it worth getting fully comp? the way i see it is if i do enough damage to someone elses car i'm going to be to injured to ride my bike anyway so won't need them to pay.
I'm hoping i don't crash especially as my main trip will be 3 miles to work and 3 miles back.... with the odd weekend ride.

 

[metamorphpwner]

the bike i'm currently looking at is £3299. i know it can be costly, my dad hit a rabbit on his zx6r and that was £800 for the fairings/tank ect.

i think the thing that's got me thinking about which to choose it the doubling of the price.

 

[metamorphpwner]

Out of interest OP, whats your age and riding experience?

i'm 22 with no experience that they'd actually count. i've ridden offroad for around 5years now. 450cc bikes mainly.
that quote was on bennetts, my other quotes have been around £1800 but they were just quick on comparison site.