I reckon the legal cover is worthwhile now that I have used it.
I came off my Brompton on a country road that was covered in chippings from a farmer's drive.
From the scene I phoned CTC who told me what to do - photo's with measurements, call police and highways for report numbers, and inform the farmer.
The appointed solicitor was from a national company but based in Birmingham. He is a cyclist, as is the doctor he organised to investigate my bruises and who shared a couple of roads in SW Shropshire I hadn't explored.
£250 to cover the cost of broken helmet, torn clothing and pretzelled front wheel, and another £850 for bruises and anxiety over small wheel too easily brought to a crunching halt. I didn't know I was anxious until the doctor examined me. I never use the Brompton outside of town now but I thought I was being prudent.
The magazine and campaigning don't often seem relevant for my needs but it must work for some members, I guess. I think I would have been lucky to get a no win no fee solicitor that understood a cyclist's perspective when the NFU solicitor suggested that I was 30% to blame because I couldn't have been paying attention to the road.