[MattW]

So it's clear that the person at the club got it wrong, and probably didn't approach it in the best way.

However, let's considder it from his point of view. He was asked about a situation that he thought gave him a problem (potentially it didn't, but that's another issue). He saw what he thought might be a potentially dangerious situation in that someone who he didn't believe would be covered by insurance, should something go wrong. He's faced with 2 options that that point: a) stop it from happening at all, or b) allow what he believed could be that dangerious situation happen, that wouldn't be covered by insurance, that if something did go wrong, he could face personal responsibility / liability / ruin from.

Still think he did the wrong thing?? For what it's worth, I don't. It's very easy to say "well it's not a problem, there is the 3 time rule" we all know that now, but at that moment in time, he didn't realise that and has therefor gone with the cautious option. It's sad, that it's the "where there's blame, there's a claim" culture that we live in now has probably caused this decision.

He probably should have known about the 3 time rule, and he probably should have approached it in a different way. However, at least look at it from his point of view, if he was unsure he has to go with the safest option really.

Personally (as someone who is involved in running a club) I'd like to think that a) I do know the rule and hence it wouldn't have happened, but if I was unsure, I'd always go with the safe option - although hopefully explain it in a better way.