I have tried all the for mentioned insurance companies last year, for me Footman James wear quite pricey , RH wear very good on the phone & knew there stuff, but for me they wear still a bit pricey , after phoning my present insurance company Carole Nash the price dropped well below what I paid last year so iv stayed with them .
I all ready have two other bikes insured with them & have had good service from them in the past especially the brake down cover
I'll have to look in to the NCD but on last year's statement of fact it did list NCD in the NCD box for me ! in my last year's renual.