Just to update re the Post Office (UK): I just checked with them as I need insurance for an upcoming trip; while they still cover bikes up to 1100 or so cc, they do not cover unpaved roads (I asked about this specifically). So, I checked with Navigator Insurance. They have no limit on cc and ALL official roads are covered. Their definition of a road was one on which a normal car could travel, paved or otherwise. Hell of a lot cheaper than the Post Office as well.
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