[embee]

Update -
went with RAC in the end, I have other things with them and it means some free add-ons making it very competitive on price. I got an online quote but needed to clarify a couple of items so phoned. Had to wait maybe 5mins to get through but thereafter the lady was extremely helpful and got in touch with their underwriters to double check something, took a couple of minutes, all very efficient and giving confidence.
I'll add that their online application for motorbike insurance could possibly be improved in a couple of minor ways, the accessory/modification "help" actually refers to car mods, but in the FAQ section it refers to bike mods so that could be tidied up.
My specific query was that the vehicle I have is a Yamaha Tricity 300, which in technical terms is a tricycle not a bicycle (V5C taxation class due to wheel distance etc) and in the FAQ they say they don't cover "trikes", however when I asked the specific question they confirmed that they would cover it, the term "trike" meant the usual concept of a Harley with 2 big back wheels but not pedantically a tricycle classified motorcycle. They said that if a quote is generated against a specific vehicle registration then it will be OK.
They also accept "accessories" like screens etc, but luggage like top-boxes wasn't listed, however they do indeed accept luggage with no charge.

The other thing which might be of help to someone is what I've found with European breakdown. I have personal breakdown (sometimes feels like it!!) through Aviva (actually RAC) as a stand alone policy alongside my car insurance. I had it confirmed in writing from them that it covers me in/on any UK registered car/van/bike/tricycle (over 50cc) in Europe, so I don't need any separate cover for bikes etc when touring. The policy cost me less than £100 (just) with existing customer discount, so I reckon a pretty cost effective all-inclusive way to cover bikes and cars for foreign holidays.

I also use Aviva for travel insurance using a bike for touring. The wording specifically states that providing the bike is your transport from/to the UK then you are covered for all accident/medical type stuff. You do need to be careful to check travel insurance policy wording covers you for riding a bike (e.g. hiring up to 125cc or any size if it is your transport from UK).