It’s not just cover for you should you be in an accident, you must also be covered in case you cause the accident. This is called Personal Liability Cover, which should protect you in any claim for damages (including legal fees) against you.
This is where the numbers can get really large, such as £2 million.
If you need to sue somebody, or if your family need to sue because of your death, then you need cover for legal expenses. It’s difficult to know how much cover you need for this, but you will probably be covered for around £20,000.
Car accidents may not be covered and you will need separate cover if you hire a car.