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Insurance co.s vary in policy terms and I think there was some talk of taking this 3rd party cover out. Lots of them do not include this cover. Check directly with your insurer if you are unsure.

On my policy, which is fully comp, the terms are listed under the 3rd party cover section and allow me to ride other (insured) bikes 3rd party. On my Equity Red Star policy the wording, under 'Section 1 - Liability to others', basically states:

Driving other vehicles

Cover for death or injury to other people or damage to property as a result of any accident, while in charge of the vehicle

Provided my insured bike > 351cc (no problem here with your FZ6)

Does NOT cover:
Damage to vehicle I am driving
Damage outside of UK

I've had a quick scan through the policy and it doesn't appear make a restriction to this based on policy holder's age or CC of the other bike. So I guess it would be ok to borrow a Ducati Desmo, or 2.3 litre Triumph Rocket, and crash it into a Lambo - the damage to the Lambo & any other person would be covered but not the damage to the Duc.

BTW I obtained the policy from Yamaha Insurance Services (part of CIA insurance) and when I arranged this policy made sure I had this type of cover as my step dad has a couple of bikes I wanted to try.

Hope this helps.