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In regard to Auld yin on previous page on doing away with compulsary insurance,I think that is crazy.My club has had three players with breaks in as many months and the monies received from Sportsgaurd has helped those said players.For approximately £230 (option 2) it covers all players and coaches at training and games.I understand it might be a large sum for a smaller club struggling to make ends meet.There should be more option regarding different insurers with tailor made policies .Maybe the governing body should be covering all players/coaches