StressFree
Sorry if I am not making myself clear. Balpa use the 'free insurance' as a hook for their recruitment outside BA. The insurance they offer is entirely discretionary on their part and all I am pointing out is that there is equally good aviation proffesional indemnity insurance available at a much reduced rate than 1% of salary.
I am led to believe that some BA pilots who have become disenchanted with Balpa use this scheme. I might say that I have nothing to do with this, although I have met the two BM pilots who started it and I also believe that the IPA did or do use this scheme.
I used to be a member of Balpa, some years ago and believe that most pilots outside BA have fallen for their chat up line re insurance. The point I am making is that there is a good, much cheaper alternative. That's all.