One of the often missed benefits of the legal cover offered by Cycling UK and BC is the waiving of the success fee in the event of a personal injuries claim handled by their preferred solicitors. If you're ever unfortunate enough to need that, it'll save you more than a lifetime's subscriptions. Affiliated CUK members didn't get it, LCC members don't, Clarion members get a reduced fee. I don't know about Laka, it says you keep 100% of any compensation, though I'd want that clarified. I don't know of any others.