I'm a cyclist, I ride a great big Made in the US Scott and I've lived in London, it costs 16 pounds a year to insure yourself on a bicycle. I did actually slam into an Audi A4 (metallic green) and my insurance did pay for the damages.J Tyran said:If you apply this to insurance in general this is pretty damn good point, if someone on a motorcycle or driving a car hits my car the cost of repairs comes out of their mandatory (in the UK) insurance. If an idiot cyclist damages my car I am probably going to be out of pocket for hundreds of pounds. Thats not an implausible amount either, a light cluster for example on many modern cars is worth more than many of those bikes you see around.
Unfortunately most other cyclist either don't know about the insurance or don't care, which paints us all in a bad light because it means the majority are ignorant to the facts or are RULE BREAKING RECKLESS SCUMBAGS.
edit: totally my fault too, I was checking out a girl.