I’m the deal with the CTC for our club insurance, the way I see it
3rd party claims against an individual then that’s between the 3rd and individual only regardless of club ride or not.
3rd party (say a new rider) has an accident on a club ride and claims against a ride leader for say an inappropriately difficult route, then that’s between the 3rd party and club CTC insurance.
Individuals still may want personal insurance on club rides, club insurance covers the ‘club’ not the riders.