Geoffrey's made some good points about third-party insurance. Something I'll have to look at (and no, not because of what happened to me), with LeJOG and Pedal to Paris 2011 in mind. Perhaps I'll join the CTC ('Cycle' usually has an article or two worth reading, and I can vote 'no' to the charity thing!).
And Simon, please, it wasn't your fault. I'd been down there before, safely, several times, so I knew the risks etc, and what went wrong that time I honestly don't know (on account of having no recollection of it whatsoever). Ditto with poor old Andrew in April. It could have happened to anyone, regardless of experience, and regardless of what you said.