On Sun, 03 Jun 2012 16:05:29 +0100, Roland Perry
wrote:

In message op.wfbzqtdcloxewg@duncan-tosh, at 15:26:43 on Sun, 3 Jun
2012, Duncan Wood remarked:
HOwever it's a very cheap extension to yur insurance if you want it.

The cheapness shows how little coverage it provides, once you fully
understand what failings (by the insured) are and aren't included.

Mainlly it's cheap because you're highly unlikely to ever be sued for
that much. The coverage at 10Million is the same as at 2 on my policy.

I prefer to look at it as "we aren't insuring you for very many risks at
all, actually, so we'll be just as successful turning down claims for
10m as 2m".

What's excluded on your policy? Mine's fairly all inclusive.