of your bike on a greasy road, and crash into the plate glass doors of a block of luxury flats. Thankfully you're completely unharmed, but the bike's fuel tank bursts, and the petrol ignites, starting a fire that results in the building being so badly damaged it has to be vacated by its tenants whilst the entire block is repaired and renovated. Several Rolls Royces and Ferraris in the underground carpark are write-offs, and all the furnishings in all of the 20 flats are ruined. Some of the residents lost valuable gold jewellery that melted in the intense heat, and was never recovered.
Everyone lost clothes, computers, TVs etc. - all irreparably damaged by smoke and/or water from the sprinkler systems.
Everyone, including the owners of the building sues you, because it's proved that the accident was entirely your fault - you were riding negligently.
The total bill comes to a shade under £19.5 million.
Thank goodness for insurance actuaries, eh?