I_P, you are a sh#t stirer, I am not agreeing or disagreeing with you but your post has only one aim and that is to undermine a product that you don't agree with but which apparently 400 people do. It is probabley no coincidence that it is policy renewal time for TopCover and you decide to join Pprune and start posting against the LIPS scheme. You sound well enough informed on the topic, if you want to know the answer to your question, the one you keep asking, then go and ask the people you are so eager to criticise. ie the EPC or LIPS administrators. If your favoured product is so good it will stand on its merits, some 400 of your colleagues have chosen another product, presumabley after waying up the pros and cons, they don't need you damaging their attempts to establish an alternative. It borders on commercial espionage.