Oh bejesus...
I rang BMW Motorrad Insurance aka Devitts
to declare what countries I was visiting (they like that, apparently
again) and listed them including Netherlands. The girl listened to the list and then said 'Oh I'm going to have to ask my supervisor, we don't list one of those'. Hmm I thought....Croatia, Slovenia perhaps....
She came back on after a few seconds and said, 'Oh, Ive sorted it out, you mean Holland, don't you?'