We are travelling for over a year to countries that are on the FCO bad list, so have found that very few will cover us. So far this is the response I have had:

Campbell Irvine £412 each
M + S - No cover as we have to be returning to UK
Globelink - No cover for FCO countries
Navigator - No cover for FCO countries
Healthcare Int - £1275 each
1Stop Travel Insurance £188 each - but only for one year

We are going to get the 1stop paper work and check the small print

I will update when I ring some more.

NOTE We are in 4WD not a motorbike

__________________
Ollie

www.jollyfollies.com

Land's End to Sydney 2009

Just to update - We called Travel nation today to set up a new policy for our next trip and, after reading some of the issues mentioned above, we asked some specific questions:
Q 'Do you cover us for FCO essential travel only countries?'
A 'You are welcome to take out insurance that covers these countries and we will continue to cover you - if, for example you have a genuine health problem BUT if you are injured as a result of a riot in a area that they state you should not be- then we cannot cover that'
We also asked about pre- existing conditions again.
Q ' Do I have to cover pre-existing conditions?'
A 'No, it is entirely up to you whether you want to extend your policy to include these conditions or not.'
Our basic policy costs £289 per person for 365 day cover on a standard package. For Rose to cover pre-existing conditions will cost an extra £14, and that's for some major health issues! For me to cover my one illness will cost an extra £551 pounds!!!!!!!!!!! Gob smacked!!! Reckon we'll give mine a miss.
The bonus is we can renew over the phone for a further 12 months as many times as we want- so long as we don't use it as medical cover permanently live in one country.
Hope this helps. Dave nately