Know less about bikes than I do about riding them. Came back to them after a 20 year break, so I have several full no claims bonuses on 4 wheels. I started off with a hack, 10 year old XJR 400 and rode it through a winter to see if I could take it. I also started with the most basic insurance on the basis that if I damaged the bike, I wouldn't bother repairing it.
I dropped it so often in that first year, that I would have been crying if it was new. As it was I just laughed. Most of the time I just dropped it trying to park. I wore a groove in the flowerbed in the front garden from landing in it.
Also, I have grey hair and I'm seriously balding, so when I moved up to the BMW RT, I was in the armchair biker category. Not seen as a high risk. My last premium was less than €300 TPFT, I still don't want to repair it if I crash, and it's 10 years old, and probably cheaper to replace than an Aprilla RSV.
Actually the 1100RT is easier to lift than the XJR400, or maybe I just got stronger after riding for a year. It's the leather that does it.
Anyhow, sorry I have no advice for you on the insurance thing. I'm with Carole Nash for what its worth and have now clocked up a full no claim bonus, easy to do when the bike has been off the road for the last 2 winters due to rider injuries and cold intollerance brough on by old age
Happy biking and keep the rubber side down.