Ever wondered how you might cope if you were ill or had an accident?

Accidents can happen to anyone at any time and they usually come totally out of the blue. At the same time none of us, not even doctors, can know when we might be ill for a long time.

Both of these things can mean a lengthy lay off from work.

But if, or whenever, accident or illness strikes, the big question is: how would you pay the mortgage? Settle the utility bills? Feed and clothe the children?

It’s not something any of us like to think about, but for far too many it happens and catches them off guard. They’ll look to their employer and find what they are prepared to pay isn’t anywhere near enough to meet their costs.

That’s where insurance comes in and many people still aren’t aware that there is accident and sickness cover to prepare for just such an eventuality.

Cover starts from just a few pounds a month – the cost of one of your favourite takeaway coffees each week and you can have cover for 12 or 24 months to see you back on your feet again.

What many people do is combine accident and sickness cover, with redundancy cover which again is there to protect you for up to 24 months if you suddenly lose your job and need some help to meet your bills while you are out of work..

Taken as individual policies or combined as accident, sickness and redundancy cover, this is insurance to give you piece of mind in a very uncertain world.

Of course there are many different products, set up for differing needs and circumstances, and it’s worth getting some impartial advice before signing on the dotted line.