Insurance in UK reminds of a story told me by one of the Monroe brothers in San Francisco. I spent many a pleasant hour at their shop, a Triumph, Ducati dealer (and several other bikes over the years, including CCM!)

Pat Monroe tells the story of the trip he and his brother made to the UK in the mid 1960's.

Business at their shop was booming, so the two thrifty Irishmen decided to splurge (a very RARE thing for these two Master Cheapskates)

They had arranged with the Triumph factory (Meriden in those years) to buy two new bike's at dealer's special wholesale price. Plan was to ride around for a month, then ship them home.

So they pick the bikes up at local dealer in London and when doing the paper work, Jim Monroe (the smarter brother) asks about insurance.

The manager gives them a quizzical look "Insurance?", he says "There is no insurance for bikes."

For all I know, maybe you lot didn't have it for cars back then either? But good things come to those who wait!

Point is:
Seems UK insurers have learned the evil ways of grave robbing that USA insurance companies have perfected since the 1930s.

Now, in USA, insurance is required by law and you can't register your bike without proof of insurance. (in most US states)

Hearing the Monroe's story was a shock at the time (mid 1980's) ... NO INSURANCE! It DID NOT exist
(at least not for motorcycles). Both Monroe brothers both have now transitioned to higher ground. RIP, Jim and Pat.

I insured my Triumph with Bennett's when in UK (2003) but no claims made. After I sold it I cancelled remaining policy (had 9 months left on it) ... and they mistakenly PAID MY REFUND TWICE!