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Mortgage Repayment Protection or Income Protection?

I have an Income protection policy which will pay out £1200 max per month, for up to 12 months in case of accident and sickness. My mortgage is around £600pm. So do i need to pay out for mortgage repayment protection as well? Theres a limit to what some of them pay anyway, (about 50%) of gross income i believe. I'm desperately trying to save money on these as I believe, in hindsight I am probably paying way too much. Btw - i also have a life policy which has critical illness benefit too! Am i a mug or do I really need all these?! :rotfl:
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