You should also get:
Personal accident insurance - if you lose a limb or the sight in one eye, most policies will offer some compensation. It is not huge though, with around £25,000 offered for permanent disablement.
Public liability insurance – This helps to protect you if you are sued while abroad and is normally in the region of £1m. But if you are the one responsible for an accident because you are doing something silly, were drunk or under the influence of illegal drugs, you are on your own if someone sues you.
Lying about the circumstances will also make any claim void.
