Am I liable??

[Rehab]

Very eloquent Sam, cheers man!

[Grahamm]

I think cyclists should have insurance, it isn't much ( I paid £100 p/a)

I'd like to be able to define £100 as "not much"!! 

[Skinbeatersam]

Less than £10 a month isn't much if your cycling. After all, your saving on petrol and public transport. If it also means that cyclists become more accountable, then that can only be good for everyone. Surely??

[alan sherman]

Sounds expensive to me.  Join the CTC or if you haven't grown a beard then British Cycling and you get 3rd party insurance.  I think joining starts from £30 per year.

However there is no point making insurance compulsory unless it is compulsory for pedestrians too!  If the cyclist that hit the car in this story does not have insurance then that fact does not make him any less liable for his actions.  Just more likely to be made bankrupt if he can't afford any outcome!

People seem to think insurance absolves them of any worry.  However if you do something that has such a big cost then you may find your insurance cover is not big enough!  Check it out - cover up to x million.  But if you swerve onto the runway at Heathrow and cause a plane to crash into an apartment block seriously maiming and killing a few hundred then I reckon the damages will be over the insured amount.  Don't actually try this though....

[Skinbeatersam]

I did not know about the £30 insurance at the time, however mine also covered theft up to £5000, and I had a nice bike so I didn't want it stolen like my previous one

swerve onto the runway at Heathrow and cause a plane to crash into an apartment block seriously maiming and killing a few hundred then I reckon the damages will be over the insured amount.  Don't actually try this though....

This just sounds comedy. :-D

[Grahamm]

Less than £10 a month isn't much if your cycling. After all, your saving on petrol and public transport. If it also means that cyclists become more accountable, then that can only be good for everyone. Surely??

I could argue this, but really can't be bothered to do this whole argument (again), especially since I'm going to be off for Xmas tomorrow.

Let's just say that it's been looked at and argued over and it's really not feasible, either financially or practically, let alone being enforceable in any meaningful way.