3rd party insurance

After my recent nasty-ish fall I have become more cautious in many respects. Not overtly, but it's all about the little things, the going a bit more slowly, trusting pedestrians even less, perhaps ringing that bell a bit more often and with more energy. And I have been thinking about 3rd party insurance. I mean, let's face it: what IF I hadn't manage to avoid the bloody woman whose stupid recklessness caused my fall? She could have been injured - and then, who would pay for the damage, in blood and treasure, but yours truly? And then you hear the horror stories of motorists with good lawyers managing to turn the table on you?

I had the good sense of emailing GMCC's yahoo group - the response was immediate and the overwhelming recommendation from the bunch of people who responded was... join CTC. So I have! Membership includes insurance, and anything else I may get on top will be a bonus.