After experiencing the Chappy nonsense, I would have to say I would have banned him if it were my decision. Chappy acts like a child that needs a bit of old fashioned (behind the barn) discipline.
Does anybody know if this method of insuring with HOII can be used with CVBJ? That is, make it so that it will fault you if you insure when this method says you shouldn't. I've read somewhere that the default method of insurance for HOII is different than this.