We need more chlorine in the gene pool

Mankind's capacity for stupidity never ceases to amaze me.I get about... oh... one call every 6 weeks from motorcycle riders who've had their bikes stolen or set on fire. However, they've purchased the cheapest coverage required by law. This would be Third Party Only. You can opt for the next one up, which is Third Party, Fire and Theft, but no..... you buy a 200CC bike, and get the cheapest