Now you've mentioned insurance I'm positive you're right. This clearly explains the length of time it took to work on the deal. If he's arrived 9 hours early (on a late flight if rumours are true) then the medical is half a day. I doubt reinsurers are the easiest to work with on this kind of thing, that's half a day to work through just for the brokers.

I'm posisitve that everton would have asked the player to carry some of the risk and he's understandably thought "fuck this, I came here for a 5 year contract and you've knocked my guaranteed down to £40k a week"