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@deleted
Not read whole thread, but I'd suggest a clear separation by entitlement of LFGSS events and LFGSS CC events to avoid confusion and separate casual events from organised club events and organised LFGSS (non-club events). e.g IIRC club runs are insured (with guests who are considering joining) but organised, non-competitive events are not.
More on BC's liability cover here: http://www.britishcycling.org.uk/membership/article/memst-Insurance-For-Clubs