Had a fender bender at the field recently, the tractorman backed his pickup into a visiting aircraft in the yard. The elevator took a bit of a knock on one end but the planes brakes were off so it got pushed forward saving it from major damage. Interestingly, in the ensuing pissing match between the insurers the farm worker was informed by his agent that 90% of UK vehicle policies specifically state they do not cover “airside” accidents but his policy went even further by stating any accidents with aircraft anywhere aircraft are operating is excluded. The upshot is the aircraft owner got the insurer to write off the plane with a hull buyback for a nominal fee and as expected the insurers have hired some ambulance chaser to persue the pickup owner for the full value they paid the owner minus the buyback.
Bottom line, don't assume your vehicle is insured anywhere near an aircraft no matter where it is.