So, even though the sum insured may be in millions because of the slim probabilities the rates applied to them can be very low.
Moreover, companies love to come up with policy packages that is satisfactory for most motorists.
This makes it easier for them to sell and manage them.
If you are overly concerned with the costs you may be scared to ask additional coverage.
But they may not cost as much as you are worried they would.
When you are trying to find out your ideal policy you should play around with various levels of cover and find out how much it will cost.
If you don’t do this practice you may have to settle for something that is only half satisfactory.