I'm 34.
2 years NCD, have 3 points on my license.
Got the VTR1000, NC30 (unmodified) & the other NC30 (long list of mods - RVF forks, aftermarket plastics etc all declared)
No mileage restrictions, also allowed to use them to commute
Multibike policy came in at £96 !

RESULT !!

Well, if you pm me nearer the time, I'm sure I can have a look into something for you.

Cheers