BMW F900XR

» Price: £9825 » Engine: 895cc parallel twin » Power: 104bhp

» Final payment: £5285.60 APR: 7.9%

It might be derived from the F850GS but the XR is a superb bike in its own right. Comfy, agile, it makes up for a slight lack of excitement next to some rivals with practicality and by inspiring genuine confidence. Loads of neat options, too.