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There have been changes as from 31st March 2009 to the insurance provided to athletics by UKA. The insurance brokers to the scheme Oval have been replced by Marsh. Also without notice and backdated to 31st October 2008 there have been substantial increases in the deductibles.
Deductibles now are "GBP250 each and every claim in respect of claims made by any member coach, official, athletics club increasing to GBP750 each and every claim in respect of any other claims." So for volunteers, club members and participants in club organised events the deductible is now £750 as opposed to NIL previously. £750 is a lot of money for most people.
Incidentally the deductible under the ARC insurance for personal injury is NIL.