There were a number of “Big Guns” as such in the original plans, but Poland arranged sparring matches and as it is their day of the week they pulled rank unfortunately. It was not riders refusing to do it, Paul Ackroyd said this yesterday.
They possibly do have insurance but that isn’t the point, for example within minutes of a rider crashing insurance doesn’t arrange to pay for transport or a hotel for his family to be at the hospital, and look after them once there. Or in some cases pay for a flight the next for the family to fly from wherever in the world to be with them. Or even just to have someone on the phone organising things for them when in a split second their lives are turned upside down. And then the immediate weeks and months or helping with bills, until the insurance might come in which could be a while.
Nor does the insurance kick in 30 years down the line for an operation to help fix a speedway injury long after the event which wasn’t a problem at the time, but through age you need a hip replacement.
Or those who need ongoing care, like Ricky Ashworth or Garry Stead, regardless of whatever else they may get (if anything I don’t know), getting extra support to make life a little better surely is the point.