McoreD,
DCCAssist should do you fine. Newest version--just released--is 1.61, which you can get to if you click on the Download or Forums links at the top of the page. It's always worked like a champ for me, and even though I have DSL my download speeds are sometimes so slow I fall below minimum speeds. This proggy will reconnect me, although, obviously, I lose my place in queue if there is one.
Give it a try and see if it works for you. Just keep in mind that you have to select your download from the Monitor Channels window, which can be found if it doesn't appear already by right-clicking on any mIRC screen and choosing Options-Monitor Channels. There's a whole lot else this program can do, but I use it primarily for resuming downloads.
Best of luck, I hope it suits your needs.
torataka
DCCAssist