It is CTC policy to encourage potential members to attend CTC events so that they see the benefits of cycling and CTC membership first hand. To ensure that CTC members are protected against incidents that may be caused by invitees or guests on CTC events and rides, CTC Third Party Liability insurance and Organiser's Liability insurance is specifically extended to include non-members "while participating in the club's activities".

Third Party Liability insurance cover for invitees is strictly limited to the duration of an event or ride, and is also restricted to exclude claims made by other invitees and by members of the public. The purpose of these limitations is to make sure that CTC members are fully protected in the event of an accident caused by a non-member, but that non-members do not receive the full benefit of the insurance designed for and paid for by CTC members.

Organiser's Liability cover is automatically available for any number of invitees in an event or ride. Organisers need to adhere to the policies of CTC, so if the guidance set out in the Law and Labiality Advice Sheet, the CTC Code of Conduct and any other related documents are formally adopted they will apply, but otherwise do not need to do anything special for invitees.

The important thing is to be quite clear whether someone is or is not participating in an event or a ride, and to make sure that this insurance cover is not abused by permitting non-members to continually participate in CTC events without becoming a member. It is suggested that 5 attendances as an invitee or guest should be adequate for someone to decide if they wish to join CTC and continue to participate in CTC activities. Organiser's need to bear in mind that the longer a (non subscription paying) non-member rides, the greater the possibility of a claim which would affect the premium payable by CTC and which is funded by member subscriptions.