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@mooks
I've no problem joining a representative organisation (and will probably join the CTC or LCC in the next couple of weeks), but the insurance thing does bother me. Liability/3rd Party Cover is no problem, and I welcome the opportunity to chuck that back at a few motorists, but if I wanted to insure all 3 of my bikes, I'd be paying nearly £1,000.
I just can't afford that - problem is that each time I've been hit the driver never stuck around to give their details, so am over a barrel. Either pay a shitload for bike cover or end up shelling out for a new bike every time some gutless bastard doesn't have the courage to face up to the consequences of their actions.