Sometimes they’re not worth the paper they’re written on when you’re self employed. Taxable profit will need to be decent to receive the amount of pay out that you sign up for. So in a lot of cases you will be paying for a policy which promises XXXX amount of ££££ should you need to claim, but if your taxable profit doesn’t support this you will be paid a pittance. I bought a van in the same financial year that I had to make a claim, ended up getting pennies.