Of course there are higher levels of cover available.

It costs, but can be got.

However, I have been supplying this cover to competitors for 26 years, and have never been asked for higher Med/Repat figures.

I have been asked for the cost, but the result has always been "No thanks, it's OK at the FIM amount"

Human nature it is - nobody ever believes they're going to fall off.

Lets face it, if you thought it likely, you wouldn't go to the grid, would you?

So, we all buy just what is compulsory - we'd rather spend the money on a new tyre.