I used flexi cover. I never had to claim, but they covered me for my appetite for "extreme activities". Motorcycling, Bungee jumping, skydiving, the nurburgring and mountain biking were the ones I needed, but the list of included activities is long and motorcycling is on there.
As a wew footnote, the Hardknott pass was fine last month. Your concerns about the weather and time of year were (thankfully) not required.