Re: World Soccer X: Duh, duh, duh, duh...The Champions!
Since it's been dug back up, I'd also point out that the clubs do (and should) pay for the insurance since they're the ones with something to lose (aside from the player, of course).
None of this, however, explains why Milan is demanding compensation for Gooch after the fact - did they not have insurance on a guy they knew would be playing big minutes internationally?
They can't be complaining about losing a key member of the team, (the kind of player that insurance can't replace) because they haven't been playing him. Nor can they argue that, since what they're asking for is money - which is exactly what insurance would pay out.