Insurance cover confusion!

[Chris Smith]

I've started looking into policies to cover us for our RTW trip in November. We're going for about 4-5 years (all being well) so we're after a policy which can be renewed/extended on a year by year basis. The longest extendable policy I've found is for 2 years. We're after cover for health and equipment etc. (not looking to insure the bike).

I've talked to a few companies following recommendations on the HU but they have all said a similar thing - that we can only take out a new policy (after the 2 year extension)if we are in the country we're registered in. i.e. We can't start a new policy while we're on the road. We have to take it out before the trip begins. Odd!

Maybe I'm missing the point or haven't thought round it yet but has anyone else come across this? Did you get round it somehow? I suspect I'm just being thick, so if I am - take pitty and share your info. Just don't seem right to me!

Cheers

Chris