The price is higher than I thought

My insurance situation is fucked.

I had insurance on the scooter that expired in July - meaning that I was paying insurance on my old PK for the end of May, June and into July.

Based on my positive conversation with the owner in July promising me the new scooter, I took the VIN number of the scooter we thought I was getting, and renewed my insurance in July. I didn't want to let it lapse, and I wanted to be ready for delivery, which I understood would be forthcoming shortly.

Over a month later, and still no scooter, I call my insurance people. If I cancel my policy, I lose either 15% or $100, whichever is more. The best case scenario is if I keep the insurance for the scooter I don't have, and swallow the loss, and switch the insurance to a new scooter when I get it.
The worst case scenario is that I swallow the loss and end up with nothing to ride.

Too much swallowing. This delay is costing me more than I expected.

Fuck.

This has to end.