Preheat an oven to 180 degrees C. Grease or line a baking dish, approximately 20cm x 27cm.
In a bowl, grate the courgettes. Add the grated cheese, ham/ bacon, veggies and chutney. Mix everything together.
Sprinkle the flour over the veggie mix then stir it through. Add the oil and stir again.
Beat the eggs with a fork and add to the other ingredients. Season with salt and pepper. Season with red pepper, if desired.
Pour into the prepared baking dish. Sometimes I 'decorate' the top (and add flavour) using a squeezy bottle of BBQ sauce.
Bake in the preheated oven for 30 to 40 minutes until the top is lightly browned.
Instead of the courgettes, finely slice about four bunches of spinach or half a bag of baby spinach leaves. Instead of grated cheese, use about 100g of crumbled feta cheese. Salami works well with the spinach/ feta version.