Svlad Cjelli Perhaps it was partly decided by insurance.
if we did the medical and couldn't get insurance on him then we'd probably not go ahead, just like you wouldn't with a car - wheras Charlton then bought an insurance write-off cheaply (and this is where the metaphor breaks down a little....)
I'm sure the cost of the insurance would've contributed to the assesment of the risk yes. I don't for a minute think we couldn't get insurance to cover him, afterall, you'd have to assume that both Plymouth and Charlton managed it. The cost we and they were willing to meet for that insurance may well have been different though.