I moved to Spain and insurance is far more expensive than the UK. My KTM RC8R was £140 fully comp. My 675 cost me €317 here for TP, F&T. That includes breakdown cover and cover riding gear.
However, here you insure the bike, and not the person. So anyone over 25 with a full bike licence can ride it with my permission. My Enfield Himalayan was €204 for similar cover. And as you insure the bike, not the person, there are no such things as multi bike policies.
However, with the weather being so good here, I will happily ride all year round, plus won't have to worry about the bikes deteriorating over winter, as it doesnt get salt ichucked on the roads for a bit of frost a couple of days a year.