I once had accident insurance, it's a load of rubbish!
There are variances on what caver but briefly:-
there is always an waiting period before you can clain minimum 4 weeks also they only pay a % of your wages, not your costs.
ie you take £100 a day and £50 is profit and they only pay 75% of your gross book profit = £37.50 which means that you aren't covering your costs.
I didn't think it was good sense
Shaun