"but having just one approved insurer seems to me a "no brainer"."
Absolutely sums it up for me....though I think I'm interpreting the phrase differently.....😀
How on earth can I hope you will pay to join my club when the benefit I offer you will cost you a considerable lot more than if you simply ring your local insurance broker. My only experience with other car clubs is with the MGOC who's officers went to proper lengths to make sure their members acually benefited from the club's benefits. The mscc position on this just looks like arrogant negligence to me.