What's the problem here?
Is not, in the Flying Orders
'It is the individual responsibility of pilots to ensure that adequate insurance is carried and that all such policy certificates are valid and current. Details of the precise terms of the insurance cover under which Company aircraft are operated may be supplied on request.
the same as
You are absolutely 100% entitled to ask for evidence of insurance from the club
Surely it is part of your pre-flight checks to ensure that all certificates and documents are valid and current. I, for one, would certainly not fly an aircraft until I had satisfied myself on the matter. Indeed, commercial crews check the documents (kept in the tech log folder or other designated folder, either copies or originals as required) each time they fly.
It would seem some of the kettles who are calling the pot black may not be doing this