Love, LOVE the idea.
Spent a week i Scotland last year on a buddies borrows bike. (He went to on his mightier steed).
This is a terrific idea.
And yes, Insurance was the bigesst hurdle. In Europe, the seem to insure the bike..In the US, they insure the rider. The translation is a touch difficult. But with some time, it can be worked out.
I would be willing to offer up some hospitality here in Ohio should anyone want to check it out.
I have some routes in my head that I think would be a fantastic series of rides from a few days to a week+.
Also, we have a "Danish Daughter" in Copenhagen we'd like to visit! (Previously an exchange student that stayed with us for a year.)
How can I help?