The official list of countries that require a carnet is not the same as the list of countries that actually do, usually some are listed as requiring them but have dropped the requirement. If you are riding RTW you will almost certainly need one but all information is here somewhere.
What do you mean by international insurance, for yourself as in medical insurance or for your bike? Your UK insurance will cover you in the EU but outside it has to be bought at the border when you enter a country. There is such a thing as a comessa which is insurance for multiple countries in Africa, sometimes called a yellow card.
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