The extra bits on insurance--worth it?

[locksmith]

Got to weigh up if it's worth it for you. In particular, the leathers and personal injury cover, have a good read and satisfy yourself that you will get paid out what you expect to.
The legal cover you can get for free on the web -here's one - http://www.yourkey.info/tag/legal-cover  if you read the small print of the paid for legal cover it says the same as the free one that they will only pursue a claim if they think they will win! that's why I stopped paying for it