That sounds a good idea Chris!
Luckily I'm a member of British Cycling, which gives me 3rd party cover of up to £10,000,000 if I cause a multiple pile-up or more likely, some silly person drives me off the road, in which case I can call upon the services of one of the country's top solicitors, Leigh Day & Co.!
If you ride a bike, join BC or the CTC (Cyclists' Touring Club), either way you get similar cover for as little as about £19 a year.
I was also knocked off in Spain in February (no, I'm not careless, just bloody unlucky!
) but my cover doesn't extend to there unfortunately, only on home soil. However, my travel insurance seems to be covering me and that is ongoing at the moment too! That was the guy's fault but I don't know if he's admitted liability. Even if he hasn't, I should be OK, because of an EU ruling that if a cyclist is in collision with a motor vehicle, the driver is deemed to be at fault unless he can prove otherwise! This is because 90% of such accidents are the driver's fault and most cyclists don't have insurance. I however DO, and I think anyone over 18 on a bike should!