I just got my 3 bikes insured by Bennets and they gave me a kind of rider policy so all 3 bikes are covered for me to ride, and the total cost was less than 300 quid (XJR and XT660X and Giggle). So maybe not as expensive as you may think??? Ok yes true I am an old er mature rider and that helps.....

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(Now sold on, sob) 2011 Blue XT660X with gold wheels, was 26,500 km.
Engine mods: K&N Stage 1 filter, DNA Stage 2 filter, snorkel removed, Kev fuel mod fitted.
Plus: smoked Puig screen, Yam aluminium sump guard, Yamaha / Acerbis handguards, Givi Trekker aluminium side cases, Leo Vince X3 cans plus Kev front fork mod and Fender Xtender. Just fitted Michelin Road Pilot 3 tyres.

SOLD the XTX for a Super Ten 1200. And just bought a Raptor 700 so staying on here for some tips....