Doh! Thanks for the replies. 3 points and £100 it is then. To be honest I deserved it
Don't be so hard on yourself fella, i had a 530 TMAX scooter rider fly past me the other day then i watched him weave in and out as if the vehicles were moving traffic cones, how he never caused an accidentor hurt himself still amazes me, it was beyond reckless riding? In fact i'll be bold enough to say he was riding like an absolute cnut.
And i've only ever been nicked twice in 28 years of riding, but in exactly the same spot, by going down hill on an empty dual carriage way both times on sunny days with no danger or recklessness to anyone!
Shit happens, just accept it and move on.
It won't affect your insurance at all.