InsuranceIt is a legal requirement to have insurance for a motorised vehicle on the public highway [Section 143(1)(a) RTA 1988 as amended 1991]. This law was brought about to protect against liabilities to third parties in the event of an accident. Under UK law if you damage somebody else's property you are legally liable to pay for the damage caused. This is a general rule and is not specific to motor vehicles or the Road Traffic Act. You can do a lot of damage with a car and the insurance is there to protect the interests of other people, should you cause damage that you are unable to afford to pay for.
Everyone is bound by the same law regarding third party liability, whether they are driving a car, riding a bicycle or walking down the street. If you damage somebody else's property you are legally obliged to pay for the damage. When we look at bicycles we have to consider what their potential for damage is. Clearly it is much less than a motor vehicle. Is their potential for damage so great that they must be forced to take out insurance against such damage? Almost certainly not.
Argument: Cyclists should have insurance to make them pay for any damage they cause, just like other road users.
Rebuttal: Cyclists, just like everyone else, are liable for any damage they cause under current law. If a cyclist damages your property the legal situation is no different whether they have insurance or not.
|This is why you need insurance to drive a car. Once can't imagine a bicycle doing quite so much damage.|