Hubby plays Rugby and has had a policy out with Totally Sports for a couple of years now (since our daughter was born). February he broke his leg and this has been a god send. The initial sum we received made sure we didn't have to panic about loss of earnings since he couldnt go to work, and we are still receiving monthly payments now whilst he is still off work. Basically, its just allowing us to live our normal life until he can get back to work again. Would (and have) recommend to friends and family, anyone who plays sports or has a job with a risk of injury. Thanks to all the team at Totally Sports. x