[Darren69]

The only oddity is that, because the bikes are on a classic policy by virtue of being 20+ years old then the 'riding other bikes' is also only for 20+ yr old bikes - so I can only borrow yer bike if it's an old'un...

Would lead me to think that it's you the rider that's being insured in which case the bikes would seem to be secondary so why are the bike details so important? I know that's not the case but it just seems crazy to me to restrict the rider in that way. Why are you such a risk? I get risk management, I deal with it in my job every day but I just don't get insurance. It just seems like a big screw to me!