mjr wrote:Firstly, I think I did write that no helmet-requiring INSURANCE had been shown just to cover the case where it's in a letter or email rather than the main p policy.
Secondly, requirements are usually guided by cold hard actuarial data, rather than " Most people would regard", for better or worse. I'd love to debunk some of the safety theatre props but I don't think it'll make much difference to insurance requirements because the data already doesn't support them.
]That's confusing. If the data doesn't support their conclusions, then are they using actuarial evidence or not? As it happens, in my case there is no data, as nobody has ever claimed either way.]
I'm sorry, I didn't make myself clear in my post.
I meant that unless I supplied scans of my handwritten notes from the phone to my students, plus a pile of personal emails including other matters, I would not be able to point to the requirements of the policy.
If this had been the case for a ride requiring helmets, it really would be unreasonable to have to produce all that.
If the rules are clear beforehand, and you don't like them, either don't take part, or set up your own event. If enough people don't like the rules, supply and demand will take care of it, unless insurers are requiring it, in which case you either do as I do and conform to them, or you can't do/run the activity.
Insurers are private companies, they don't have to insure you, and they can impose whatever conditions they like, regardless of evidence, or no evidence. OTOH, sometimes they will pull out of a specific market simply because it is so small there is no data to assess the risk - that's even worse for the people doing that activity. Sometimes an insurer would even like to insure, but their underwriters don't choose to.