I was looking at options for travel insurance and most (all?) of the providers stipulate that for motorcycle/moped coverage, you must be licenced in your home country to operate the vehicle. Covermore says you must "hold a license valid in the country you are riding". Does this mean I would be covered provided I had an IDP? The other conditions are that you're wearing a helmet and the vehicle is 200CC or less. I am aware of the dangers associated with the vehicles, but would be looking to drive it in Ko Lanta, not Phuket itself. I was turned off the area because of the difficulty of getting around so this would certainly be helpful.
Thanks for your help!