Rules of the road please help

[Dudeofrude]

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!

I've said this for a long time. Not necessarily insurance but I think there should be a CBT style test that needs to be taken every few years if you want to ride on the road, especially in the city.
I'm a little undecided on taxing them but then if you think how much money gets put into making roads safer for cyclists then maybe they should contribute?
After all they spend millions on cycle lanes etc and get nothing back where as with our bikes/cars we pay an absolute fortune in taxes and levys then get nothing on return but pot hole riddled roads covered in speed cameras!!