OK, what does STW recommend?

My travel insurance has just lapsed and have a sportive in Belgium coming up – I want decent cover in case I break myself on the cobbles, and where the fact that I have a number on won’t make it a ‘race’ for the purposes of payout avoidance.

Probably in the states later in the year so need cover for that.

I also commute in London and have been meaning to join CTC or BC for the 3rd party cover. (Depressingly an accident seems inevitable at some point).

Is there anything that covers all three of these things, or do I need Travel (which covers cycling) and CTC /BC?

Thanks in advance