The extra bar at the DB is not really that necessary, I don't quite know what you mean by insulated.
Obviously it will be insulated from any live conductors or bars.
There are two methods for providing high integrity earthing.
one is to use a substantially larger CPC than is normally used, the other is to use a second CPC.
When using a second CPC, the conductors should be terminated in different terminals from those for the first CPC.
This is where a second earth bar would be used, if ther is only one earth bar, then the usual practice is to terminate the second CPC in the terminal next to the first CPC. This will often entail doubling up conductors with those of a different circuit.