I am not overly convinced the "legality" or not makes the rider immune to any civil claim for personal injury from third parties, by far the biggest "life changing impact" to which we are exposed.
I am though pretty sure the technical minutia of any bike used that we have managed to insure for that risk, will be of great interest to the insurer facing multi million, or even down to multi thousand pound claims.
I am though pretty sure the technical minutia of any bike used that we have managed to insure for that risk, will be of great interest to the insurer facing multi million, or even down to multi thousand pound claims.