I'll stop now, TJ - at least until next time the Tower Hamlets Assertion gets used Really hadn't expected to get quite so much enjoyment out of such an innocent thread
Anyway, back to my original point (we've well and truly derailed the original topic now haven't we?) - I'm amazed at the ignorance on here about this. It's like we've been brainwashed by the motorists "you don't pay road tax, you don't have insurance", when the reality is that the motorists have to get a licence and specific insurance whilst we have a right and are covered by generic liability insurance (we all know about road tax don't we?) The thing is, whilst motorists go round killing thousands of people every year and causing millions (billions?) of pounds worth of damage, as cyclists we cause so little in the way of injuries and damage that it's not a problem to cover us under generic insurance. Such an important point that it really surprises me such a cycling advocate as TJ not knowing - well you do now, HTH.
As for CTC membership benefits, there are all sorts of other reasons for joining and I'd hate to put anybody off, but we've covered 3rd party insurance. As for legal cover, well I have that under my contents insurance too, but even if I didn't http://bikeline.co.uk/ - my personal experience of making claims using legal cover suggests that it makes very little difference - legal cover won't help you to fight any more of a hopeless case than NWNF.