Whatever happens people are going to be filling in forms. Not least your ob'd'nt s'v'nt..
Let's be fair. I've got away with it so far, but, insurance being insurance it would be unreasonable to expect that you could get it with no effort for ever. And Rob is intent on helping because (the veil of modesty is about to slip, peeps) There is no question about the high standards with which you run the FNRttC. I can honestly say that the rides are as well run as any I have seen or taken part in both within and external to, CTC. Equally your drive and commitment to sign up new members via the rides are well recognised.
It's simply this - the insurance is arranged around the traditional club run. We're a bit different.
Who'd have thought it?

Once you get them on the ride, as far as I'm concerned you can corner them in the Madeira and threaten that unless they join the CTC immediately, Rich will repeat the toilet story ad nauseam. You can even march them to the cashpoint. It's the slight barrier to getting them there in the first place I'm thinking about. People have either not heard of the CTC, or they think it's weird/don't really get it. You used the word "carefree" somewhere else about the ride - I think that's part of its attraction.