I just came across the following article about the many “products” that companies try to sell us that we don’t really need:
Top of the list is payment protection insurance – e.g. the stuff that protects your mortgage if you can’t work.
Guess what? Most of them don’t cover you if you have to go off sick with back, neck or shoulder pain, RSI or other computer-related ill-health, or indeed stress.
Given that it costs a fortune, and that probably a third of the working population in the UK work on computers, that’s not much use to many of us. No wonder the payout rate is apparently only 20% of claims!