Patent No. 16,716 A.D.1890 An Improved System of Insurance for Season Ticket Holders "We, Leonard Metcalfe, Commercial Traveller, and Frederick Stretch, Licensed Victualler, both of Didsbury near Manchester in the County of Lancaster, do hereby declare the nature of this invention to be as follows: This invention relates to an improved system of insurance in connection with season tickets, and particularly against accident and death in connection with railway season tickets.