In the UK, as in the rest of Europe, credit cards with benefits such as complimentary insurance (or indeed things like cash back) aren't as common as in the US.

In the UK, as in the rest of Europe, credit cards with benefits such as complimentary insurance (or indeed things like cash back) aren't as common as in the US. I believe Amex is the one of the few companies that include insurance in the UK. With other cards such as Barclays and HSBC, you typically have to pay a monthly credit card fee to add the feature.