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PLenty of other ways to suffer trauma! you are fortunate. My insurer refused to give me any income protection insurance because I had previously had tennis elbow... they wouldnt just refuse to cover the elbow.

its also much easier to get these insurances when you are younger and healthier... I wouldnt wait too long to get them. I got knocked back from income protection insurance when I was in my 20's, because I'd had severe tendonitis in both arms. I probably should have reapplied at a later date...