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@charlie_lcc
You are talking of (at least) two types of insurance here. Medical insurance is pretty much a con because the national health gives us free (ish) cover anyway. There are lots of variants of Personal Accident Cover, often this is a free add on to other things, it may be in your household insurance, it may come as part of your overpriced credit card, it comes free if you insure your bike through LCC Cyclecover (for a limited list of injuries).
The other insurance is third party liability, in case someone sues you for damage or injury. This is included free with membership of many cycling organisations, London Cycling Campaign( £5mil. cover), CTC, British Cycling etc. you can also buy this individually for between £26-£30 per year from people like Cycleguard (£2mil. cover)