It does when a tourist hires a "Moped" thinking they are covered by there insurance, when in fact they hired a 125 motorbike. they are NOT MOPEDS !
For the purposes of this thread it does not matter. But, in the context of your point, all the tourist would have to do was to check the cover that his policy provides first, before renting a bike, moped or whatever. How the UK rag, the Daily Mirror, describes the bike in the story that they pay for is irrelevant!.