If you can show actual documented proof of what you say re insurance I will accept it, otherwise I must surely conclude you are giving out disinformation to users as some have got their cards and some have not.
Which is a shame.
Please get over yourself, perhaps you can provide documented proof on the contary?!?
I'm not gaining from informing people of 'how it is' in the UK. Like you say you don't even live here, so if you don't like it then it doesn't matter does it. Obviously everything is so perfect where you are though that you've nothing better to concern yourself in and moan about....