Ohh well.... hmmm
I actual feel a bit sorry...... I wonder about the XXXX countries on your pink cover note ?! well you are right the "international motor insurance card" is lime green cheap sloppy paper....... all the interesting countries are not Xed-out on the original one I got issued with out asking for it by my insurance company...
(that's why I feel sorry)
Well and what about the limited time validation less than a year ?!

OK I live in Germany, and my insurance company is the HUK-Coburg, the "green card" is "GREEN" is valid for three years (yes 3-years from 14/7/2006 to 14/7/2009 in my case) and nothing is Xed-out at all, any of the 44 country codes from "A to UA" are open and not crossed out for no extra cost, actually non of the country's is crossed out! as I say I didn't ask for it they just issued it that way.
I pay 120-Euros (with 2nd year bonus) a year 3rd-party as the cheapest policy they do.
Now this behaver of German insurance companies seams to be normal, but if some one else comes along they will classify foreigners as a higher risk and rip you off.

__________________
The trouble is that he was talking in philosophy, but they were listening in gibberish.

Hello Spooky:

Please, it is not necessary to feel sorry at all.

The insurance that I have purchased at ADAC in past years (there is a picture of my insurance document on the top of page 2 of this thread) is special insurance that ADAC offers only to foreign citizens who will be riding foreign registered motorcycles within Germany, and by logical extension, within the EC member countries.

I am well aware that this insurance only covers riding within the EC. To understand why ADAC even sells this, you have to think back to the days before EC harmonization of everything took place. Back then, if someone from (for example) Czech Republic or Hungary wanted to visit Germany with their car or their moto, their Czech insurance or Hungarian insurance would not have covered them in Germany. So, ADAC had little offices at the border crossings, and from these little offices they sold temporary "liability only" insurance for motos (€22 a month) and for automobiles (about € 105 a month).

Today, anyone who buys insurance in one EC country will find that their insurance - at least, the liability portion of it - covers them in all the EC countries. So, ADAC does not sell very much of this insurance anymore, except to people like me who fly their Canadian motorcycles to Europe, or perhaps to Turks who might need the insurance to drive a Turkish registered car in Europe during a vacation.

The policy that ADAC sells - which others have noted is in fact underwritten by ARISA, ADAC being nothing more than a sales agent - is only valid for the EC because way, way back, it was only valid for Germany. With EC harmonization, the insurance is now valid for all EC countries.

It is possible for me to buy insurance for my Canadian moto that is valid in all of the countries that have the XXX striking them out on the ARISA policy. I have done this in the past when I have visited Ukraine, Poland before it joined EC, Serbia, and so on. But, getting this type of insurance, which covers you from Iceland to Israel, is far more expensive. Michael Mandell (Motorcycle Express) sells it for about $180 USD a month.

Therefore, if I only plan to ride in the EC, I buy the ARISA insurance. I buy it from ADAC simply because I always fly into Zürich, and it is quick and easy for me to go to Singen and buy it from ADAC there. For others, it is probably easier to buy it directly from ARISA.

Hope this explains everything OK.

Michael