How do you know it will give you nothing you are going to use, do you know everything the club does? If this is one cruise, maybe there are more in the pipeline
Insurance, I know why but can't put it into words, currently seeking assistance from a translator
EDIT - Dezz has answered it and in the words of my translator, because SAU have organised the event and IF an accident occurs, SAU can be sued hence insurance. (Thanks Paul)