- Location
- Ledbury, Herefordshire
No, I said that bicycles should not require insurance as intrinsically, they are not dangerous - in the same way pedestrians do not requite insurance. Both can use public highways. Do you think you ought to require insurance to walk along a road?What you were saying or at least coming across as saying was that if a cyclist caused an accident the car drivers insurance should pay and the cyclist should be held responsible even if say a cyclist riding dangerous knocked a pedestrian into the path of a car. You were saying the car owner or driver should pay as cars are inherently more dangerous than a bicycle.
I was stating that by your logic then a car pulling out of a junction without looking and hit a tractor and trailer that the farmer should pay as tractors are inherently more dangerous than cars where most would say that it should be guilty party that pays.
I only mentioned the Mutual as I know that is their policy as they have told us that it is their policy to settle any claim against a tractor made by a car because they say if it goes to court the judge before seeing the evidence will side automatically with the car.
Tractors and trailers are motor vehicles - are they more dangerous than cars? Whilst they are often bigger, they have many regulations about loads, lights etc and usually travel at much slower speeds.
Again, your third paragraph seems to be based on insurance companies having rubbish working practices than the existence of other road users.
Do you therefore think that kids shouldn't be able to go out on their bikes anymore? Should all those people with jobs who are under 17 and/or can't drive a car be forced to look for jobs within walking distance/on a bus route as opposed to cycling?
I think probably the best answer (which seems incredibly unlikely to happen in this country) is to take the German approach and have cycle paths along all roads (with the exception of the autobahn).