I didn't renew after the charity episode. I thought it was handled very badly and the vote went through on apathy, not on any real support for charity conversion. More than that, the actual services of the CTC that I used, such as local rides, derived no benefit from the (fairly high) membership fee and I thought that if anything the CTC should have been spending more of the fee income on members, not less. The cost of the third party insurance, I understand, is peanuts since it is vanishingly rare for a cyclist to kill or maim another road user and that's where the risk of huge damages lies, not in fixing the dent in the back of someone's Bentley.