I have insurance via the CTC and have used their services to make a claim. Might also have cover via my household insurance, but I've not read the policy properly.
But there must be thousands of children, mum's & dads, casual cyclists etc, riding around without specific cycling insurance and could all be the cause of an accident. So does it really matter if the non club member doesn't have insurance? If he loses a claim against him, then he will lose his life savings or his house - do we care?
But there must be thousands of children, mum's & dads, casual cyclists etc, riding around without specific cycling insurance and could all be the cause of an accident. So does it really matter if the non club member doesn't have insurance? If he loses a claim against him, then he will lose his life savings or his house - do we care?
). That's obviously a delusion, and the more embedded that delusion becomes in a society, the less that society will tend to make responsible decisions. Second, the more we take out insurance against being sued, the more we indirectly reinforce the culture that suing is a normal and appropriate things to do, and I think most of us would say the culture of always looking for someone to sue or at least to blame has gone too far. Thirdly, whilst I stand by what I said about the right of anyone to protect themselves against a risk, no matter how small, there comes a point where the risk really is small and you have to ask whether it's worth it. There are plenty of risks that are so small we effectively ignore them in the way we organise our lives. But there's something about some risks that, as soon as someone has pointed it out, we feel we have to rush to take action, almost without stopping to assess it. Hence cycle helmets (second 
