Why is it that only two or three insurers in the UK are willing to cover the 5-Speeder? Most of the mainstream companies just don't want to know. A bit of competition would be reflected in premiums charged.
Small numbers, difficult/expensive to mend if they are banged...hard to price the risk so if you are a mainstream insurer, why bother.
Gott and Wynne have had our vote for nearly 10 years with our M3W at <£300 last time round ... yes, price is high per mile but if one buys a reasonably expensive toy like one of these, one has to be prepared for the associated running costs