Why don't cyclists need insurance?
Discussion
On my way home this morning I was nearly hit by a cyclist. I was coming out of a blind side street and edged forward and a cyclist came flying around the corner and nearly into the passenger door.
But this got me thinking. What would have happened if he'd hit? I sure as hell wouldn't want to pay for the damage but I'm sure he wouldn't either.
And what if I had a nicer car? How do you ask a cyclist to pay for the side door of an Aston or lambo?
But this got me thinking. What would have happened if he'd hit? I sure as hell wouldn't want to pay for the damage but I'm sure he wouldn't either.
And what if I had a nicer car? How do you ask a cyclist to pay for the side door of an Aston or lambo?
Save us all going through it again - http://www.pistonheads.com/gassing/topic.asp?h=0&a...
Its a fair question though. I have seen many near missed in London where cyclists have jumped red lights and I have seen them hit pedestrians in the same circumstances. So why shouldn't they carry insurance to pay for damage they have caused? Or does the average household insurance cover this?
swerni said:
Mercer89 said:
all right all right! fair play. And your right, i couldn't afford the door of an aston or lambo. It was just a thought! And i wasn't driving fast, he (cyclist) was on the phone and not paying attention!
flying round the corner and on the phone, good skills.Mercer89 said:
But this got me thinking. What would have happened if he'd hit? I sure as hell wouldn't want to pay for the damage but I'm sure he wouldn't either.
I guess he'd be making a claim on your insurance for a new bike and also a large personal injury claim for any damage you did to him. I suppose if the police get involved then you could be looking at due care and attention as well.So you pulled out and a cyclist nearly hit you, what would have happened if it had been a motorbike doing 40mph or an HGV, or a bus full of school children.
Perhaps you should get on bike, probably safer for the rest of us.
Mercer89 said:
he (cyclist) was on the phone and not paying attention!
So probably not a 'proper' cyclist then, just a bike user, just like there are millions of 'car users' in this country but very few drivers.iirc if a cyclist is a member of British Cycling then they are covered for third party insurance and it may be the same for other cycling organisations.
blueg33 said:
will_ said:
Why don't pedestrians need insurance? They can cause accidents too of course.
Or children on those scooter things?
Or prams?
Because cyclists go faster! You cannot insure children.Or children on those scooter things?
Or prams?
Edited by will_ on Friday 31st December 09:15
The point is, I'd be fine with forcing cyclists to have insurance (I have it), but only if that was also enforced for all road users who have the potential to cause accidents. Otherwise it's hard to argue that cyclists should have it, but drunk pedestrians who step into the road and cause an accident shouldnt...
superman84 said:
It's not just insurance, they should also have to pay road tax.
There's no such thing as road tax. I think you mean they should pay vehicle excise duty, and no they shouldn't.I think we should get people to pay VED on every pair of shoes they own too, just to be safe, although I suppose we could also let them SORN them, as long as they promise not to walk on the road with them.
Edited by kambites on Friday 31st December 10:16
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