ISTR that during my time running the "Non Public" desk at Command Accounts at Brampton we introduced the concept of "selective insurance". Essentially, if say a "Shepherd" was damaged or stolen, would it be replaced with an item of equivalent value? We agreed with the major non-public insurers that they would not apply"averaging" in the event of a claim, and we reduced the cost of insurance, which was becoming an increasing burden on messes and PSI funds.