I’ll have to take a look at the particulars. 

You better go 9R then!    

Did your AB coverage stay the same? or was it reduced?   Most companies are renewing with the coverages you had before - rather then reducing to the new "minimum".  

1 down. This one is not for me - my son bought this one today.    

I'm pretty certain that the OFSC insurance covers trail work by club members.