I personally don't rate the Bandits at all, nice looking yes, good engines yes ...but with an ancient steel flexing chassis and poor suspension... I reckon the only people who love these are those that haven't ridden an SV650, a Hornet, or a fazer ...etc.

...the fazer is bland yes, but is a very friendly and forgiving bike to ride, very comfy too....a fine choice.
Because insurance is a problem why don't you try some smaller 400's ... many Japanese Imports available, I used to sell them myself...most parts are no problem as they share many with uk bikes … and, more importantly the uk parts suppliers sussed many years ago they can make a fortune out of supplying...so they have been for about ten years now.
Technology on standard type bike Jap imports runs 5-7 years ahead of our UK market …so an 87 Bros 400 for instance is equal in technology to a 92/03 bike over here.
I'm thinking.
The CB1 (CBR400RR engine) 50bhp, ++ with tuning. ...top engine. ,,,12,00revs all day every day for years....Oh yes indeed.
The CB400 super four. 45-50 bhp (Do not get early variable valve type)
The Honda Bros 400 (33bhp v twin, top ally chassis, can be tuned up) Superb bike....and still quick, great engine.
Yamaha SRX 400 or is it SRX or ..?? (Single cyl, sleeved down famous XT660 engine) 30-35bhp ...loads of torque though.
Can’t think of many good Yams in that size, sure there must be some though.
Forget the kwaka 400s...lots of power, BUT lots of trouble :nono: ...good machines otherwise ...as are all Japanese machines.
Suzuki 400 Bandit..?? (It’s nearly a bandit like its bigger brothers, but has good chassis thankfully, etc. ...Good bike...hard to find a low mileage one...but that's a must.