Hi John,
No problem - feel free to call me anytime and i'll be happy to help you out as i can. As a heads-up, there are no fees to transfer ownership (you just need to sign a bit of paper). I am currently paying £270 for comprehensive insurance (despite having only 2 year's experience, no garage and living in a mediocre postcode). If you go to confused.com you will be able to get insurance qoutes - i would expect you to find comphrehensive cover for £250 - £450 quite easily.
There are no other fees or charges you would need to worry about (except your pioint about taking the bike to Spain).
I hope this helps and that you find the right bike for you
Chloe