about the 3rd party insurance, when I did my bikes (x3) at the same time, I bought the standard (compulsory) motorcycle 3rd party insurance and was offered/asked by the woman at the traffic police counter if I wanted to buy the extra insurance that 'slabo' mentioned above. It was only a little extra but provided quite a bit more payout to a 3rd party in the event of a claim, so I decided to err on the side of caution. I also bought the top end most extensive insurance on the car, since I'm more likely to have bigger claims and a higher chance of liability in the event of an accident.

The best insurance though is extensive use of the HORN which I use with a sense of abandon, and has saved my arse multiple times!