I did have accident cover once upon a time; was the C.I.C.A one, one of the cheapest out there and pay from day one of an accident or illness.
Of course they don't pay the most
Ones such as Steve K have pay out well in the need to make a claim, but what the real chances of you having an accident or illness so bad you are off for over a month?
Of course that possiblity exists, many do have these sort accidents I know, but the ACTUALL likelyhood is low.
Few of us will be off long enough to claim on these good paying policies.
Of course, it does make sense to have cover, but there is insurance for this, insurance for that, there is only so much money I personally can afford to lay out.
So far in almost 30 years I've not had more than a few days of sick in a row, even after a bad car crash I was only off work for about 3 weeks, if that.
Now if I had been paying in to a policy for the last 30 years...who's the winner?
Sorry, only playing devils advocat.
A vital thing if you are seriously hurt for any length of time.
Mind how you go
Ian