I have been looking into an insurance called "lifestyle insurance"
"Lifestyle Protection, is an affordable way to help protect your income should you be unable to work due to accident, sickness or unemployment. Plus it also gives you life cover of 12 times your monthly cover amount on death"
"Lifestyle Protection pays a monthly amount which could cover all types of bills or household expenses, such as council tax, gas and electricity, as well as any credit card repayments and your rent or mortgage repayments"
I had a quote to cover my mortgage and bills and it came to just over £1 a day, I am seriously temped by this as I work in manufacturing and if this recession keeps biting I could see myself redundant in the near future Also it's underwriten by AXA Sunlife.
http://www.postoffice.co.uk/portal/po/j ... d=26000661
I am unsure if an accident involving paramotoring would be covered but could well be worth looking into.
Tom