Heat the oven to Gas 4, 180°C, 350°F. Mix together the dry ingredients, add the grated courgette and cheese - reserve a little of these two for the topping.
Whisk the milk, egg and vegetable oil, add to the bowl and mix all together.
Spoon into 6 large silicone or paper muffin cases, top with an olive, a strip of red pepper plus some grated courgette and cheese. Place in the oven and cook for 30 minutes. Serve.