More important things? Really? I'll remind of this comment when a Non insured racer smacks into a marshals ankle, rendering him with broken bones and thus not being able to work for 6 months plus. The said non Insured racer could/possibly would get sued for the incident and cost of sickness off work and long term injury/problems. This would also, I think, fall on the club as well. So yes, it is a bit serious I'm affraid!
With his £15 brca he's fully insured....