He may want that, but equally he may look at the amount of CBs Chelsea have and think, like Lamptey did, that he needs to move elsewhere in search of first team football. He's got a couple of years left on his Chelsea contract though so they won't be under as much pressure to sell him quickly as...
Yes clubs often have insurance policies for players covering career ending injuries and death. Bolton got an insurance payout when Fabrice Muamba had his career ended.
I always thought we did announce Webster as our record signing, but even if we didn't it was widely reported by the press that he was. That certainly didn't happened with Mwepu, in fact some reports went as far as mentioning the fee was some way short of the £20m paid for Adam.
If the Mwepu deal had broken the record set when we signed Webster it would have been announced as a club record fee, even if the actual amount remained undisclosed.