Back to insurance,...
I'm in Ireland so my experiences may be different to most of yours. I found it very hard to get insurance this year (renewed last week) for my L5. Many insures wouldn't quote me because I was a window cleaner,.. of those that would quote, only 1 would allow me to carry gas. The heater was not the issue,.. it was the bottle of gas!
So,.. I'm with Quinn insurance,.. €635 which is €160 more than the cheapest (no gas allowed) quote I had.