Make sure you get the correct insurance for the sex you are having. Please find a list of companies below catering for most tastes.
Sex with your wife-Legal&General
Sex with your partner- Standard life
Sex with some 1 differant - Go Compare
Sex with a fat bird - More Than
Sex on the back seat of her car -Sheila's Wheels
Sex with a posh bird - Privileged
Sex with a transvestite - Confused .Com