Then get insurance, if you feel that way. (Basically, that's why I do.) In a free society, doesn't one has the 'right' to be irresponsible? Note that NZ is a bit different when it comes to insurance. Everyone, including visitors, is covered in several ways: Medical costs are covered by our universal healthcare, and additionally with our ACC insurance - a national insurance which means everyone in NZ, including visitors, is covered. It is standard practice for clubs