Hi Edward, Not sure how long your commute is, but you could always change the bike for a 50 cc, which should drop your insurance premiums, as for your LGV licence, I would scout round and look for a weeks course to include the cost of the test, which would be the cheapest way of doing it, I personally would not get rid of the M3, but only you know your budget, you have to take in to consideration the cost of diesel, servicing cost of a diesel, and would you regret getting rid of the M3, if something went wrong with a new car you bought, good luck with your decision, and also good luck with getting your lGV licence. :D