It happens. Every single person who it's ever happened to hasn't invited it...... They've also thought, like you, that it'll never happen to them.
I was there when
[URL="http://www.ukgser.com/forums/showthread.php?t=182993&highlight=dakar"]THIS[/URL] happened. Dom would have been in the shite without insurance. Plus one phone call and it's all sorted out for you, private plane, in flight doctor etc etc.
And i've also been present in two other similer instances in the last 30 years of riding abroad.
It's a great relief to just pick up the phone make one call and everything kicks into action. And you can then get on with your holiday/trip
There have been several incidents on UKGSER showing the absolute necessity of travel insurance. Including the death of a UKGSer in an accident in the south of france a couple of years ago..
Believe me it's not clever going without.
Of course, it'll never happen to me, i'm far too arrogant and clever to have an accident .
And what about riding outside of europe ??????????