I'm in the process of compiling a comparison table of the main features of the several insurances recommended here, which I'm extracting from a detailed study of their terms and conditions. Excluding cycling from Personal Injury and Liability cover does indeed seem a common tactic (Insure and Go
add insult to injury by excluding only cycle-touring
from these benefits!) but it is not universal.
On the strength of my researches so far, I've cancelled the ETA policy I'd just taken out, because SportsCover Direct
is clearly a better product at an equally keen price. Probably because activity is a central theme of this insurance, there don't seem to be any naughty exclusions from cover for the activities covered. Loss of your equipment (i.e. your bike) is separately covered from your other belongings (although the sum insured is paltry unless you go for Gold) and if you need to be repatriated, they don't leave it behind. So AFAICT it does everything that Cyclecover does, but without the helmet and other quibbles.
But if anyone has any other suggestions for helmet-free cycle-touring insurance, tell me and I'll add it to my comparison table. I find it rather interesting, by the way, to see which other countries insurers include with geographical Europe: countries which lie on the other side of the Mediterranean, Black Sea, Caucasus and Urals. Most insurers throw in Morocco and Tunisia - but not all - whilst some include such outlandish lands as Armenia and Azerbaijan!
This is a copy of a post I made in another thread
that's running on this subject in Touring & Expedition.