Just to be clear, I wasn't suggesting that FNRttC was one of the clubs where speed deters riders - which is part of why this ride interested me.
As mentioned earlier, I've done non-FNRttC FNRs elsewhere and was interested until I understood this was sort-of an FNRttC one.
But it seems daft to be double-insured. Possibly worse than having one insurance, given how some behave when they find out you're double-insured and start arguing over which insurer should handle a claim.
I do and I can appreciate why organisers want third-party insurance. It's a shame that CTC's insurance brings a CTC-boosting restriction on numbers of non-CTC riders. A CTC-insured group near me doesn't seem to have this restriction but I'm not sure I dare ask them about it because it may be a mistake (it's never popular to point those out), they ride too fast for me (I've tried and been left to make my own way home) and I'll probably get the "why do you care about a ride you don't do?" aggro from them too!