Some great photos of the races. Lots of yellow in the lens.
Blimey Carl you really ended up in the bushes!
Re the insurance thing, I'd be surprised if you get anything from BC. If membership included Personal Accident cover for racing the membership costs would have to be higher to cover the insurance premiums.
Normally you'd need your own PA insurance typically to cover loss of earnings. I don't know about the building trade but would expect there is some cover from the employer but will probably be more of a standard personal liability policy and cover an accident at work, on site.