The baffling thing with BC insurance is if you collide with another BC member during a Sportive, neither of you are insured! CUK/CTC membership does cover you regardless of who you hit.
Seems a bit odd that BC will not cover you for the most likely incident.
I doesn’t seem odd to me. It follows the principle ( reinforced by a case in a Scottish court) that by joining in a potentially hazardous sporting- type activity you accept the inherent risks.
hm, that doesn't' make sense as then any hazardous activity insurance would be impossible to obtain and therefore no one could organize such activity.
The ruling I can think of that could cause such a situation is the one that (on appeal) essentially saved scottish motorsport.
IIRC On a test day, having been refused access to the track (the driver just drove round the track access marshal) a driver drove flat out into the scruitineering bay door having apparently blacked out.
The ruling on appeal was nothing to do with hazardous activity or that the driver should have been on the track (somehow the club should have stopped him from accessing, feck knows how) but that because he was a WSKC member, he couldn't sue the club because he was effectively suing himself. (All scottish motorsport clubs promptly went to the effort and expense of becoming a limited company)
But that would surely need British Cycling's Insurance provider to be themselves?