insurance people have been quick to pick up on the bike engines and now have got wise to them
there where plenty of locost in yester year with 1300 xflows and 4 and 5 speeds so i dont think there is too much of an issue there.
an early ka 1300 would be a good choice for availbilty or an engine out of a ohv fiesta
getting down to 1000cc or below could make things a little more tricky as im not sure what amount of small engine fiestas or escorts are going to be still around thease days