Insurance or accept cash to repair it myself?

[Slaninar]

The line the insurance company takes is that as it was not your fault, they wont reduce your discount (no-claims) but as you were aft enough to be in the place you were to get hit by someone else you are obviously a higher risk as you might do it again so load your premium.

Barstewards

Not the policy in my country, but, from my knowledge and experience, it does make some sense. A good driver/rider is one who is aware of other people's mistakes and avoids an accident. Riding bicycle in my city, I could get hit by a car every day, without it being my fault.

Would lots of such riders make drives more careful? Probably.
Would they quickly drain insurance companies' funds? Definitely.