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I can't help but wonder what the premiums would be like for the likes of Andy Carroll, with his history of long term injuries. Probably cheaper to just pay his wages........................

You or I might - but we don't live in the same bubble as PL footballers. Enough to pay the mortgage, bring up the kids, drive an OK car might be fine for us; a competition to have the most expensive car in the training ground car park wouldn't be an issue for you and me - it often is for them...