HW
You are right, it might just get you legal opinion; but what do you expect for peanuts?
As one of the previous said in a slightly different way, "you pays your money and you gets your choice". What really p155e3 me off is when BALPA takes a non member under its wing as it did with BM some years ago.
It's generally reakoned that the first question that management ask when a pilot's in deep doodoo is " is he a member of BALPA?" On the basis of a £10,000 insurance cover the question about IPA is irrelevant.