Certain types of British Cycling membership do include third-party liability insurance. However, keep in mind that you will not be covered for any liability to a fellow British Cycling member during any race, time trial or timed event, even if you have race membership.

CTC (Cycling UK) membership does include third-party liability cover, but this does not cover you during any races or timed events.

The above is true to the best of our knowledge at the time of writing.