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@Greenbank
Short story: You'll still need to pay it.
Long story:
Audax UK, CTC or BC membership only to avoid the £2 extra.
Audax UK doesn't have enough time/people to research every single insurance policy to work out whether it provides adequate coverage. If you turn out not to be fully covered (to the level that is required) then the liability could shift to the organiser.
So, easier than that, they stick to the 3 memberships where they know the insurance is good enough.