In reply to J1234:
And to answer your other question, as it was reasonably easy to find:
http://www.bmc-insurance-centre.co.uk/members
"As a member of the BMC, either via a club or individually, you are provided with combined liability insurance protection for your mountaineering activities.
This includes mountaineering, climbing, scrambling, bouldering, hill walking, ski mountaineering and ski touring, canyoning, coasteering, fell and mountain running and representation on any management committee or acting as a trustee with respect to the operation of a mountaineering hut.
You are also covered for secondary activites, such as canoeing, kayaking, cycling and mountain biking if you participate in them as part of a club arranged activity."
So no cover for cycling unless it's on a club trip or similar.