I think you've missed "ride".I've just joined British Cycling, only really for the insurance. It did strike me as a bit odd that there were a few different categories of competition cycle cover and then "commuter". As if the only way to cycle is in competitions or just as a means to get to work. It didn't seem to occur to them that lots of people tour or cycle purely for recreation. I did get the impression they were really only interested in racing.