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@hippy
"Organised" could be calling a mate to ride with you though or even as silly as "setting an alarm to leave on a specific route at a specific time"
They rang yesterday and asked some dumb questions like what bike was I on and what was I riding it on, presumably trying to get us on some kind of "MTB is extreme sport" exception.
It was just laziness that we used these guys - they were our car insurer. Instead of multi-trip with these scumbags I'll probably go back to taking out specific trip insurance using Snowcard or Dogtag or one of those guys that definitely cover "OMG he woke up in the morning and did more than sit on a beach all day".