Re: Pedal bikes on the road
Every competitive cyclist, in order to race, has to join British Cycling and gets third party insurance as standard.
I joined just because for £11 a year or whatever it is, insurance is pretty handy.
A lot of house insurance policies will include some element of 'public liability' and has been known to work for cycling accidents (although only on occasion).
The number of accidents caused by cyclists that require insurance are just too low compared to the amount of people it would deter. You've got the other problem of enforcement. With cars it's relatively easy, you have a database that the police can check - but how would you do it with bikes?
I can understand where you're coming from, and in my opinion, for serious cyclists third party insurance should be taken out.
However, out of 'my group' that cycle, in the last 3 years we've probably covered over 30,000 miles and I've not known anybody to have had/caused an accident that has affected anybody else.
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