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Yea, I'm leaning at not getting the insurance. I tried adding a guest (wife) for the reception and the system kept having an error. So I just registered for the class and I'll try to add her later. The system must not be working too smoothly this morning.
When I did it I signed up for the liability insurance but in reality it's not worth it unless you want peace of mind. The maneuvers you will be doing are very controlled and no way will you be put in a position to have to use the insurance. At one point the guy I partnered with went a little to fast in the BAJA run that the instructor yelled at us and said that the next time he's kicking us out.