I got a front and rear one after some one decided to try and reverse into the bay I had just pulled out of hitting the rear side panel, apologise and said he was not paying attention. after a week motability phoned me and told me I had to pay excess as they had agreed that it was 50/50 with other drivers insurance and he claimed I was reversing out too, even though I pointed out even if I had been reversing out he still tried to reverse into a non empty bay.
Now I have dashcam that wont happen ever again as ill nail them to the post.