I have insurance with Hastings Direct(because they were cheap) and their 3rd party liability maximum is 25 million pounds. When I was with Aviva last year theirs was 20 million.

I pay £300/year to insure my car.

And yeah, excess in US can be crazy I think. We have private health insurance from work and when I had to use it there was a £100 deductible for the year - I thought that was quite steep.