Best cycle insurance products?

I'm looking for a good all-round cycling insurance policy. I'd be happy joining BC or CTC to get it but if there are some other stand-alone policies out there that are better I'd be interested to know.
I'm looking for cover against 3rd parties in general but also against other riders I may have an accident with. I don't race but I do a lot of sportive/audaxes so there's a possibility of crashing into another rider.
Any ideas?
I'm looking for cover against 3rd parties in general but also against other riders I may have an accident with. I don't race but I do a lot of sportive/audaxes so there's a possibility of crashing into another rider.
Any ideas?
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What does 'better' mean?
BC membership is fine, assuming you want your liabilities covered in case of a collision.
"As I said last time, it won't happen again."
I'd rather buy one that covers all risks rather than just some of them.
BC silver and gold cover that by the looks of it.
"As I said last time, it won't happen again."