[ophic]

Agree with Fizz. My bike off last year was deemed to be the fault of the other driver, even though we didn't make contact. The whole thing was handled seamlessly by my insurance company, bike fully repaired, 80% of the cost of my damaged bike gear refunded, and a very good injury payout for what was essentially a bruised leg. I wasn't even particularly intending to claim for injuries - it's not something I view as honourable unless it restricts my mobility or would cause discomfort for the rest of my life.

Now I'm not saying I couldn't have done this through a no-win-no-fee solicitor, but I'll pay my £15 extra (or whatever it cost) every year just for the sheer convenience of it.