Presently I have neither of above and never have in the past. But since I have begun riding I have been thinking about it more and more what if? what if? like that gio insurance commercial about what if I fall and have an off. At this stage I am only looking at getting ambulance cover for my household, possibly health insurance too if they throw it in as a package. Which companies do netriders have ambo cover with, which ones would you recommend and which ones would you recommend to stay away from?