Ian(soady) ... got a call back from RH, went through everything (including adding #1 at a later date) got a quote for £94, which included uk & european recovery & home start. obviously fully comp, included all the mods (paint, single seat, rearsets, bars etc) ... so happy with that, also included 3rd party on any bike not owned by me.
to be fair, swinton did offer cover at £69, but didn't include recovery, or cover for riding other bikes. & Nash wanted £209 to cover both #1 & #10.
job done, thanks for the heads up Ian.
now going to call them back and get a quote for my Yaris T Sport, Nash have just upped it to £320 !!