In reply to leon 1: You are still covered by the insurance until the following January
2021 Membership is valid until 31 December 2021. Membership begins at 00.00 hours GMT (aka UTC) on the day after the membership application is processed by the AAC(UK) Office.
However, insurance cover extends until 31 January 2022, but note that, if you have to make a claim for a January incident, you must renew your membership for 2022 by 31 January 2022.