Hi Gary (?), not sure I get the meaning of the reply but...................what you say is generally true about holiday insurance mate so i've made a point of asking in the past and the reply was as stated, "so long as we are licensed to ride the machine and are wearing the legal minimum clothing" accepting that you are not racing, doing it for profit etc.
Maybe not word perfect but that is the essence of what I was told.
I have been looking at policies for an RTW in August, Amex and Footman James were the two we are looking at more closely but they ain't cheap.

What is worth knowing is that if you have taken alcohol and it is reported by the hospital / quack then many insurances refuse support, bike or NO bike! How many of us bother with that small print?

If you are not sure ask in writing and get the reply in writing, that way you have a referance if the poo fall's in the fan!

Most UK bike policies these days cover you for Europe, it may only be for TFT however check that, it is worth looking at breakdown policies if you are not to mech minded as well. (or HAVE to get back)
The odd part was that one of us was told, last year, that if it was a "charity" run the BIKE insurance was NOT valid for the trip! How does that work? :confused1:

again I hope this is of use.

TTFN Scav

sorry, I am assuming you are from the UK bud, if not please bear with I.