Rules of the road please help

[Fazer99]

Talking about insurance, does anyone else think that if cyclists are gonna play with the big boys on the road, shouldn't they have insurance as well?
Bearing in mind they continue to dangerously jump red lights, undertake lorries and buses, and generally throw caution to the wind on a daily basis!

Yes I do completely agree. However, you would run into the problem of the kiddies riding around on there bikes and they are not going to be able to pay for in-case-shit-happens  :lol (insurance), but you could simplify it by making it to be if an adult cyclist does not have in-case-shit-happens then basically no matter what the accident or fault they have no chance at all to claim.