Should cyclists have insurance? This is a topic that the Times Newspaper have published an article on. Below are my comments on the subject:
I would suggest that not only are they wise to have it but they should be legally obliged to do so. Cyclists can easily damage the vehicles of other road users but they can also impose a large financial burden on the NHS from their own carelessness by simply falling off.
Cyclists often just ride off after accidents and compulsory insurance would encourage them to stop and report collisions which is a condition of most insurance cover.
Cycling is becoming more dangerous, particularly to others, as cycling speeds have risen. Lightweight bikes and electric ones have made the situation a lot worse in recent years and heavy cargo bikes are particularly a risk for pedestrians. The problems are compounded by the recent encouragement by councils of more cycling which means we get inexperienced cyclists commuting at speed in our major cities, often racing against their own times recorded on Strava.
The number of fatal accidents to pedestrians from collisions with cyclists are relatively few but they are regularly reported. In London alone there were 31 “serious” injuries to pedestrians involving cyclists in 2016 (Injuries classified as “Serious” are far from trivial and typically require hospital treatment).
Forcing cyclists to have insurance might just focus their minds on riding with more care, paying attention to other road users and not ignoring road signs, traffic lights and pedestrian crossings as they often do at present.
Even minor collisions between cyclists and cars can cause significant damage to paintwork and incur major expense in repairs. The advantage of requiring compulsory insurance is that it avoids the need to assign blame which is often a difficult thing to do.
So my answer to the question of whether cyclists should have insurance is an unequivocal “Yes”.
Lambeth LTN
A group are mounting a legal challenge to a Low Traffic Neighbourhood (LTN) proposed in the London Borough of Lambeth. They are raising funds to do so on Gofundme – see https://www.gofundme.com/f/legal-costs-to-force-a-reevaluation-of-the-west-dulwich-ltn
LTNs are always worthy of a challenge as they make little difference in practice to overall traffic levels and typically are supported by people who just wish to move traffic elsewhere.
Roger Lawson
Twitter: https://twitter.com/Drivers_London
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