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@Velocio
Bear in mind that I know the numbers behind those prices (at least, for when we did it) and you should be making a very healthy profit from it all with the rates that you have. Is it cheap? Well, it's competitive (given no other competition) for the early bird, and it's expensive for the closer to the date tickets.
For an insurance policy only where use is not actually anticipated or hoped for... then it's expensive when you don't have much money.