"It's up to you to take a view of the risks and decide whether to chance it or take out insurance"

Exactly, which is why I think it's a shame that an atmospheric, convivial, conveniently-located venue should take it upon themselves to nannyishly make that decision for me. Rather like an airline insisting I buy life insurance before taking a flight.

Mind you, this is now a conversation we've already had. Thanks for clarifying, via that link.