Quote Originally Posted by Treeman View Post
Just got off the phone with LV, apparently by the definition of appropriate protective clothing means technical clothing designed specifically for motorcycle riding, so unless you are wearing a motorcycle jacket, motorcycle trousers, motorcycle gloves and motorcycle helmet - you are not covered.
It's the same for Aviva and Nationwide travel policies.

So sadly no good for me. I admit it's not smart but on a hot day on short journeys I wear jeans, trainers and a sweatshirt.
Then it's very easy. Buy the policy for all the other cover it gives you and simply 'self insure' yourself for the period of your short journeys on hot days, when you wear nothing but your budgie smugglers in florid green. By 'self insure' I mean, don't fall off and injure yourself sufficiently to warrant making a claim.