When i contacted Unikon, i asked the question, "do we need this £65 insurance", and i was told no its optional. I was not advised to take it or given the pro's and con's of taking it or not. So , the question is..... DO UNIKON KNOW WHAT THEY ARE DOING? and in my opinion, no they dont. They should all be singing from the same hymm sheet and telling everyone what is going on. I cannot accept that we need to insure something that doesnt belong to us. I agree that if malicious damage is done by the club whether it be deliberate or not, then the club is culpable. As sapper says, where is UNIKON when you most need them, knowhere, unless your willing to give them money. Very poor service :-/