I know I have asked this question before and well I got some great responses but I am seeking something more definite if possible (and yes I have spent 2 hours going through the archives and reading over policies online). It would seem that most policies cover you for medical expenses if you are involved in an accident (if the rider has a valid Australian Bike Lic as well as a valid International Lic endorsed for motor cycles). Now what I am trying to find out is who covers you for personal liability if you injure another party? Who will cover you if another uninsured vehicle is damaged? And who covers you if your bike is damaged (and yes I know that you can get it repaired quite cheaply in Bali).
Would just be interested if anyone has had some personal experience with having made a claim following a motor bike accident?
Thanks.
PS Some companies will tell you they cover for some of the things I have mentioned but when you read the policy, that simply isn't correct.