For Full Time & Part Time employees. I have Income Protection Insurance and I want to advice you that you should get one too. IP Insurance would pay you most of your salary, if you end up in hospital or in recovery after an accident. We all ride motorcycles and know that in any given Sunday, we might end up on a hospital bed, with multiple fractions or other injuries that would keep us out of work from a month to 6 months. Having no income when you are in bed and looking at the bills pilling up is the worst thing you can hope. Some will have to sell their assets; some might sell their house. This is part of our choice to ride two wheels instead of four. If you do not have private health insurance, you can survive, as â€˜Goughâ€™, 30 years ago, made sure that we are all covered by Medicare. But no one will pay your bills (except if you are superrich or you inherited a waterfront house, in which case p*sh off!!) IP Insurance will help. And here is the magic word â€œYOU DONâ€™T HAVE TO PAYâ€ for it. You can arrange to get IP Insurance payed by the Super that your employer is paying for you. Most of the Superannuation funds provide insurances for death and permanent disabilities, which area all good, but also for IP Insurance. They would usually pay up to 75% of your salary. I have my Super with Just(.com.au). They sell IP Insurance from ING and I have the 75% payable after 30 days of the accident. The first 30 days I am covered by sick or annual leave. The premiums are about 1/3 of my Super. When I weight the loss of 1/3 of my Super, which will be available when I am 65, with the potential severe blow in my life, if I have an accident today, I said f*ck that. You can buy IP Insurance with your salary and leave Super alone, but I bet he who has money to spend for insurance, must have other ways to protect his economical future ( rich bastard!!) Some Super funds will only give you a 60 days waiting period. Change Super. Two months is a long time and it is the duration that most of the accidents would keep you off work. Go for the ones that give 30 Days. If you thing this is a bit over the top, think of this: The image you get from the road is bias; it only shows people standing on their feet. The rest have been dragged in to hospital beds. So find yourself a free day and go and visit any trauma wing of any public hospital. Talk to them and ask where is the pain, at the bones or at the pocket. Safe riding too all. Disclaimer: I am not a CEO of an insurance company or a dealer or have any affiliation or income derived from any insurance company. I found the above situation as the best that fits me and I thought that I should share it with you so you can benefit too or so you can show me something better..