No they are not if you read the policy ie most are only 31 days , slit don’t cover you for being on motor bike . So it’s really easy to extent to longer than 31 days and covers you on a bike .Not rocket science , if in doubt just ask insurance company . Most are just lazy and presume they are covered
31 days insurance isn’t fine print and standard tbh , if in doubt just ask . Sad but not rocket science tbh