Thanks for all the replies but he plot thickens.
Strangely enough ebike were much cheaper than the quote I ran with the bike insurer site, I put the date for renewal down and low and behold I get a call today from H&R Insurance offering to beat the ebike quote by £15 and I can ride any bike with their policy 3rd party. Seems like I may not be going with ebike after all unless anyone has horror stories of H&R as I can't see any reason not to have the ability to ride mates bikes daft enough to trust me with them
