Hi, With a cycle costing around £2500, the required insurance appears to be around £200 per year. I haven't checked through CTC yet, as not yet a member. I do understand that 3rd party insurance is included within CTC membership. Do people pay over £200 per year just for basically theft and own fault insurance? You can get cheaper car insurance than quotes I have seen for cycles. Even with my Camera equipment with replacement value of over £5,000, the insurance is less, a lot less. Is something wrong here, or have I just looked in the wrong place so far?