The partial downside is that one BC member can't claim damages off another.
I thought that was the case, but I studied the terms and it's not. One BC member can claim damages off another, but they can't use the free legal advice provided by BC to do it. That's because BC only retain one firm of solicitors, so there would be a conflict of interest. Lawyer firms aren't allowed to represent both sides of a case.
But engage Slater and Gordon (or whomever) or just write a stern letter yourself, and you can claim away.
Seems a bit like we are ganging up on
@Accy cyclist again the question you should be asking yourself is if the shoe was on the other foot would you be in a position to compensate the other rider?
I do, because I am a responsible adult. I have CTC membership for the insurance. Also I have public liability on my home policy. If (god forbid) i caused an accident that rendered someone paraplegic, it would be my moral as well as legal duty to look after her. Hence I have insurance.