After the 2008 failure of Lehman Brothers, the EU increased deposit insurance from €20k to €50k with member states having the option to increase their own insurance to €100k.

Northern Rock suffered a run in 2007 because the UK had an inadequate deposit insurance scheme which only covered 100% of the first £2k GBP, and 90% of the rest up to a total of £35k insured. People were, unsurprisingly, not reassured by the 90% recovery rate. See this WSJ blog post.

The brainless should not be in banking -- Willem Buiter