No offence to anyone else, but I think you would have to be a total moron not to get travel insurance.
You could be bankrupted for life for something as simple as a broken leg.
Medical costs often costs tens of thousands of pounds.
Imagine you're in a serious crash ? Do you want to be treated by a back street hospital in Ethiopia ?? Even they would charge you thousands and you will get very questionable care.
You will want to be repatriated to get put together properly. That will cost unimaginable abouts of money
Don't forget about the the intensity of HIV in many African countries.
I took a sterile needle kit with me and kept it in my tank bag.
Insurance would cost you about £3-400 for 8 months.
Make sure the company covers you for riding a motorcycle OVER 125cc.
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Did some trips.
Rode some bikes.
Fix them for a living.
Can't say anymore.
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