I have had my own Ambulance cover since I moved out of home and would no longer be on mum and dads cover, DH didnt have it when we met so I took it out for him as a present as to me a silly thing not to have.

SIL took it out a few years ago as she was going to the snow for the weekend and just in case, day after she took out cover she got hit by a car on her bike! Very lucky or would have been costly.

Everyone should have it not $ for what you get!!