Mr Mercury, on 16 January 2015 - 09:44 PM, said:
I thought sometimes the premiums were so large and the ins and outs so numerous that maybe they didn't.
Yes- you have a squad of 20 and want to insure each of them for £1m should they have a long-term injury. The insurance company calculates that you will lose one player to such an injury every 3 years. Thus premium set at £400k. You now can afford a squad of 15 players...