Hi Miss M about insurance a few of my mates are with shanons and they have no cmplaints.They have been looked after well.
cc rider - when we first looked at the bike I made a few jokes about the size of the pillion seat and was thinking of getting the 12inch seat to replace the standard but I find it fine. In saying that we haven't done any big rides yet- max of 3hrs so far so no doubt will be looking to upgrade before a decent trip. Was also considering some new footpegs? Sorry to hear about your wifes bruising- OUCH!! What colour bike did you buy?
As far as insurance- we picked the bike up as a demonstrator with 300kms with a heap of extras and a few things done to it. Ended up going with insure my ride.