The best terms and conditions for Loss of Licence are usually the ones obtained by groups such as pilots associations or companies on behalf of their staff. It probably doesn't pay to go the individual route as the underwriter can only look at your premium versus a possible 100% claim, within a group policy it can be averaged out over tens, hundreds, or perhaps thousands.
Suggest you look at what your pilots association is offering? As you probably hold a JAR licence what is to stop you becoming an associate member of, say, BALPA, and seeing what they have to offer? Or any of the European major organisations.
When I last worked in the UK I managed to arrange, via the insurance manager of my employer, to increase my policy limit and pay the extra myself, enjoying 'company rates', when I left that company the insurance company agreed to continue my policy on a personal basis but gave me the benefit of the corporate terms and conditions.
Best of Luck.