Well done to the answers above as the points I raised seem to have been well answered in a few of the posts
You need income insurance.
The reason that I raised the point.
My next door neighbour rides an old BMW K100. He is no fool or nutcase rider.
Two months ago he hit a deer near Market Lavington at a mere 50mph. The bike suffered minor damage unfortunately my neighbour suffered serious spinal injuries and for awhile the prognosis was not good.
I spoke to his wife a few days later and she raised the point about income insurance. Comprehensive cover may cover the bike but thats a fat lot of good if you are crippled.
She said she thought they were insured for just about anything only to discover that they were not covered for loss of income.
She also raised the point of being hit by an uninsured driver - very difficult to claim anything.
She says that it ought to be law that people have this sort if income insurance. I raised this point on the RD forum and one of the Australian members said nearly everyone had income insurance there.
If you have income insurance or accident cover then check the small print - a lot do not cover motorcycling.
Luckily my neighbour is beginning to make some kind of a recovery. He had severe bruising but is having to learn to walk again and it will be a very long process.