It is noteworthy that athletic disciplines other than fell running are losing patience with UKA and their unelected bureacratic structure.
For example attention is drawn to the formation of "The Association of Running Clubs" (ARC) for clubs who participate in events other than track and field and who do not wish to affiliate to England Athletics. It has its own race Permit system and insurance. See link below.
http://www.runningclubs.org.uk/
The FRA already has its own race registration scheme and could easily finance its own insurance. In my opinion it's high time that the FRA became independent from the failing UKA organisation without further ado.