Im covered by combined insurance. They are the only people (as far as im aware that will cover you for motocoss. i pay £19 a month for it, covers you anywere in europe and some others, for any accident. for instance my mate got in a fight and the dude broke his nose and he broke 2 fingers, they payed out for three minor breaks which was like £600. they also give you £140 for every night you stay in hospital. They pay for private operations to i believe so you dont wake up with your dislocated shoulder on you hip lol. plus they pay for physio. they pay £1000 for major brakes (arms, legs) but you have to take out a differant policy for ligament damage which cost more. they have a website check it out, they come round and visit you if you wanna sign up.