I had the misfortune, while on duty last year, of wrapping my car around tree in Bovington Camp. A few months before that painful event I had a letter from the MOD suggesting that I might like to take out cover with RPAX in the event of accidental injury while on duty. Being a good chap I did as I was told and started to pay 12 pounds a month for 10 units. What a good thing it has turned out to be, in the last year I have spent over 100 days in hospital and still have lots more fun to go. RPAX paid out the following: After first 7 days of hospital: 142 pounds per day (14,000 pounds so far). For each fracture etc. in my case 150 per unit per break, in my case I got 4500 pounds. In the event that prognosis on leg turns bad I will get 100,000 pounds if it is lopped off (prognosis is currently very good, but it is a comfort to know that financialy speaking I will not be left leg less). All this for 12 pounds a month. If you don't have it get it, you never know when that tree will leap out and get you. I could also go on about PHI, PMI and the nice people in the pay office, all of whom have been very good. But that is much more a case by case basis and costs for PHI and PMI can be steep. Bottom Line: Get RPAX!!!!!!!!!!