Yes, see my sig
I don't want to turn this into an investment thread, but I would have thought spreading your portfolio was a better way to go, to include a pension - if for no other reason than taking 40% of *your money* back from the government
This looks like a bit of a fantasy to me. If you are the kind of injured where you can still work (and go to an interview without looking injured), then you're not injured!
If you drive your car into a tree and spent 2 months in hospital and 2 months recovering you would be in trouble.
Of course it all depends on what your responsibilites are at home. If I ever went contracting (which don't get me wrong is very tempting!), I would make sure we always had at least 6 months living expenses as higly liquid assets in case of the worst. (note, you might suddenly find that property is not that liquid when you need the cash quickly).
Anyway, isn't disability 61 quid per week?
Sorry, I thought you were saying that here:
"
If in the future I get ill or injured or
feel the need for security and
a pension I would revert back"
Apologies if I misinterpreted.