Making the news in the UK at the moment is the case of a 19 y/o who was injured whilst riding a moped in Vietnam. He was wearing a helmet and had a full UK driving licence but not a full UK motorbike licence and so the insurers wouldn't pay out. This clause was apparently contained in page 13 of a 64 page T&C document. It cost his Dad £25 000 to fly him home!
The policy was issued by one of the UK's biggest chemist chains who actually quoted the family £85 000 to fly him home.
Apparently some GAP year insurances do cover riding mopeds as long as you wear a helmet - so if you're heading off on your travels, make sure you're insurance covers everything you need it to!
Thanks for the report tails -- I've made those links in the above post live so they're easier for people to read.
The chemist involved is Boots.
Thanks Somtam... appreciated.
Another point worth mentioning... if anyone has recently purchased insurance in the UK and subsequently finds it isn't suitable for whatever reason, there is a 14 day cooling off period in which you can cancel the policy and receive a full refund.