My Dhabi is uninsurable too. We tried via the specialist insurers recommended by Mind, so that's worth a go, or talk to a broker. No online quote will insure you but it's worth trying those other routes.
You were told you were being selfish and stupid (not by me) because you have started riding a motorbike. Posters were concerned because you have small/dependent children, no partner/ no support/ no family to step in should the worse happen.
Posters were concerned with your lack of planning for your children which we all should have in place regardless of motorbikes etc.
You didn't see the point in having a will or life insurance.