I must say. when people resumed the "discussion" and I mentioned the point was moot they got pretty upset, I basically said if you want the government to legislate for this and you have the admins etc it would come from government coffers and would cost a cyclist nothing, I said inline with what electric cars are charged under emission tax we're the same. I mentioned that some household insurances cover you for liability.
They regressed to basically all cyclists are clueless roads are for cars etc, I said actually roads were created before cars and horse and cart and cyclist would've been the first roads users.
I was also asked under what basis I am qualified to use the roads, I said I have a drivers licence so I am deemed a safe road user, and if they want I can dig out my cyclising proficiency cert from school!