You'll find that the figures - 1485 wins and 8 losses - suggest that the insurance does the job.
PCG represents good value when you consider all the tangible benefits. It represents unbelievable value when you include the intangibles - being a member of an organisation that is now respected and listened to by government, and that is promoting contracting and freelancing as a respectable driver of the UK economy.
I don't know why any contractor woudl NOT want to join, unless they had some outdated idiotic ideas of what PCG was all about, eh H.A.B?

What a feckin load of pish.
What a coherent argument. Care to explain which part you find 'pish' ?

That's a lot of surfing...
)And a lot of expense. The old credit card must be taking a real hammering (amongst other things)
Ah, the listened to and respected by government bit? Ok, maybe you didn't read the ToR for the office of tax simplification, never mind put two and two together around where the ideas may have come from. Perhaps you haven't spotted that IT is no longer on the skills shortage list.
Anyway, before I get too deep into Malvolio mode, just stay tuned for some rather interesting news.