If you're employed full time, you'll receive 10 days of sick leave each year, as well as four weeks of annual leave. While you can use this to maintain your income if you are ill or injured, they can run out quickly. They also need to be accumulated throughout the year, so if you're in a new role, you may not have any leave built up yet. In either case, income protection can be worth it to replace your income after using your existing leave days. If you don't have leave entitlements like these, income protection is even more useful.