As most accidents seem to be reported in this section - I renewed by Household Contents insurance this week and changed companies. I therefore spent a bit longer than usual reading the small print. The section on PLI caught my eye. I have just spent most of the afternoon getting confirmation that any accident caused by my negligence which I have using my bike for pleasure (ie not racing) is covered up to £2m. An example used was that if I wobble and scratch a car door, they will pay. No extra charge this is a standard clause in the policy. I have to pay extra to insure my bike against theft though.