Just ordered a shiny new bike, which has got me musing..... I was out on a club run a few years back (not a member, was invited along to try the club ride thing-riding in a group was not a new experience), a guy up front went down causing a bit of a pile up (including me). It cost me £100+ for the repairs to my bike. On the one hand I was a bit peeved that I had to fork out as a result of someone causing the fall, and in the back of my mind I felt the guy who caused it all should have paid. On the other hand riding in a group carries an element of assumed risk. These days I'm out riding with people on up to £5000 worth of bike, I'm on a steel frame with 105/Ultegra mix (relatively cheap and easy to repair). If I were to cause a bit of pile up, I'd feel responsible for having done so, but I'm not sure I'd feel responsible enough to want to pay for some of the bikes that are out on the club midweek rides! So, who would/should foot the bill if there was such a pile up? It doesn't get brought up much - and probably not untill it's too late! I'm thinking of joining British Cycling - not sure if the liability insurance would cover such events. Any thoughts? Experiences?