most people got an (travel) insurance, in the small print mostly is excluded of coverage extreme sports., intoxicated, alcohol, diving, and motorbikes, some have even more.
the problem is that also these small prints can change by the premium paid.
never the less is is never wise to drive on two wheels that have engine or motor as main drive or supporting the peddling due to that most insurances exclude this as they seen it an a high risk event to insure.