Shall i join the CTC

Undecided whether to fork out for the membership tomorrow when i get paid
bike insured under house poilcy and when get new shiny road bike will get insurance through eandl but they wont touch me atm due to them saying the value of my bike is £100 when its a custom build, but person i spoke to was not very nice lol
do think somethimes when im riding what if i accidently went into back of car or summin bust on my bike and i caused accident that way. Is the ctc membership worth it or is there summin better value, or shall i just not get anything and hope nothing happens??
thanks in advance
bike insured under house poilcy and when get new shiny road bike will get insurance through eandl but they wont touch me atm due to them saying the value of my bike is £100 when its a custom build, but person i spoke to was not very nice lol
do think somethimes when im riding what if i accidently went into back of car or summin bust on my bike and i caused accident that way. Is the ctc membership worth it or is there summin better value, or shall i just not get anything and hope nothing happens??
thanks in advance
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I saw a voucher book somewhere with a code so you get 15 months for the price of 12. But where it was I can't remember :-|