Im not sure what all the issues are with insurance. But since it is insurance. An I guess its a contract with the Brit Mint and Insurance Co. Cant a programmer just make and insured items say the name of the player in the tag. How hard would that be? If I insure my stuff it would say "Insured for Raven". If it doesnt have your name on it, then you risk losing your stuff. If you buy it off a vendor and it is insured with someone elses name, well you have to change it. Plus it forces a little me gold expense. You have to change names.