Income Protection insurance exists to give you a degree of cover if you can’t work, due to either serious illness or injury. Would your savings or sick pay from work support you enough to pay the bills?
If you didn’t have income protection insurance, you would have to survive on whatever savings you had or the sick pay you receive from work. This would have to last you until you were able to return to work or even longer. Around one million workers a year (according to the ABI) become unable to work due to serious injury or illness.