the low point was trying to get LCC riders a break on a CTC ride. Given that
a) the LCC and the CTC use the same underwriter
b) the LCC and the CTC use the same insurer
I thought I had chances.
But, when you think about it, insurers have to quantify a risk so that they can price the job. The last thing they want is a creative interpretation of that risk. I'm temperamentally averse to insurance, but I can see that insurers want to put things in neat packages. And, while I would contend that night rides are inherently safe, probably safer than day rides, if you rock up to the underwriters saying 'I'd like to insure a group ride of 100 people to ride through the night, oh, and, by the way, Catseyes Affleck has a bump on his head that makes him talk to ambulance folk' you could forgive them for thinking 'there are easier ways of earning a crust than talking to this loon'.