Well Ducati Insurance came up trumps this year!
After finding that my all singing and dancing Carole Nash poilicy didnt cover me to ride other bikes (like i thought it did - oops) i decided to shop around. Ducati Insurance came out at £220 with protected no claims, ride any bike, carry pillions, doesnt need any security or a brick garage and only £250 excess. NCI do european recovery for £70 so it works out lots cheaper than Carole Nash (at least this year).
It looks like the riding other bikes bit causes the problem. Lots of insurers wouldnt even quote me for it.