I was a member of a local bike club. Among the perks for being a member was an accident insurance policy with a flat rate payout. There was a large group of competitive riders and racers so for the A group it was very strenuous. Even the B group challenged it's posted averages. I finally convinced them to allow me to start a slow group and led it for two years. Was really nice and helped build the ranks of the club a bit as people moved up.