More than 80 per cent of Australians have insurance for their car but fewer than one third of us have income protection insurance1 to protect our livelihoods should the worst happen. While the odds of a bingle are higher – once every seven years on average – being waylaid by injury or sickness for a lengthy period is not as unlikely as you may think. In fact, a staggering 60 per cent of Australians will be off work due to serious injury or sickness for more than a month at least once in their working lives, according to a 2012 Rice Warner report on underinsurance.