1. Like I already said I would promote optional cyclist insurance.How on earth would this be policed?
Would it be mandatory to display an insurance disc?
What aboout minors? Would they require insurance?
And what about people in wheelchairs? Would they need an exemption?
It's more that the risk here is so minor that it doesn't justify the overall costs of insurance. The only winners would be the insurance companies.If there's a risk to others, then there's reason to consider insurance imho.
Here in Germany it's quite normal to have a personal liability insurance policy that covers any 3rd party liability (cars require their own policies). Kids are usually included. A kid can easily cause serious injuries to a third party, for example opening a car door as a cyclist is passing.How on earth would this be policed?
Would it be mandatory to display an insurance disc?
What aboout minors? Would they require insurance?
And what about people in wheelchairs? Would they need an exemption?
What kind of insurance would you recommend for pedestrians, give that they cause risk to others by stepping out into traffic without checking?Hello Mr Burgess,
While I take the point, I don't agree with the conclusion, sorry.
If there's a risk to others, then there's reason to consider insurance imho.
If anything, it's likely that they'll be more cyclists in the future, so more accidents, more bicycle thefts, and more damage to other peoples property when cyclists collide with cars etc.
cyclists are vehemently against any thing that would regularise cycling like legal safety standards, insurance, competency tests.1. Like I already said I would promote optional cyclist insurance.
2. There would be no need to display an insurance disc. You don't display your house insurance on your hall window.
3. Perhaps there's a case for optional minor cyclist insurance too.
4. People in wheelchairs could benefit from optional road user insurance too.
Páid, don't confuse "optional" with "exemption."
Stupid cyclist, overtake parked cars appropriately. Stupid parent, allow children to alight on kerb-side only. There are few real "accidents", lots of "stupids" and "incidents" though.A kid can easily cause serious injuries to a third party, for example opening a car door as a cyclist is passing.
cyclists are vehemently against any thing that would regularise cycling like legal safety standards, insurance, competency tests.
It's more that the risk here is so minor that it doesn't justify the overall costs of insurance. The only winners would be the insurance companies.
Pedestrians pose a risk to themselves and other road users but we never hear anyone suggesting that they should carry insurance. An awareness campaign was launched back in 2000 after a study found that carelessness by pedestrians was a factor in 23% of all road incidents in Dublin.
As others have said, you can insure bikes against theft, but the high rate of thefts and low rate of recovery mean the cost of such insurance is a significant percentage of the value.
What kind of insurance would you recommend for pedestrians, give that they cause risk to others by stepping out into traffic without checking?
It's very easy, and very tempting, to get into a slagging match between drivers, cyclists, pedestrians etc. There are good and bad in every category, as I'm sure you'll appreciate.
Let's resist temptation here, and keep the thread on topic. If your want to discuss pedestrians needing insurance, you could always start a seperate thread
In your opinion, the response usually is they dont have any of those things in the netherlands as if that renders the argument void.Because they are usually half baked idea's with no research behind them.
To call a spade, a spade, the insurers always win - that's life, unfortunitely, but they are a "necessary evil".It's more that the risk here is so minor that it doesn't justify the overall costs of insurance. The only winners would be the insurance companies.
There is no case for any kind of insurance. Can you imagine the amount of fraud which would take place? The premiums would be astronomical. You would be paying for my fraudulent claim.
Brendan
No it actually completely covers any of your personal liability. I am personally aware of an incident where a cyclist broke lights and hit a pedestrian at speed and the matter was covered by their household insurer.I think that some ordinary house insurance policies include personal liability. But that is probably limited to personal liability around the insured house and not your liability as a pedestrian for knocking someone off their bike and causing them serious injuries.
Brendan
In your opinion, the response usually is they dont have any of those things in the netherlands as if that renders the argument void.
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