Having an argument with my brother over this –
My point is the insurance industry needs to adapt to a changing world – a world where there are multiple forms of road users, many of which aren’t insurable vehicles (through practicality or otherwise).
Popularity of cycling will only increase as climate change becomes a larger part of social awareness, and infrastructure continues to get better. The model needs to change. The concept of “blame” needs to change. The fundamentals the model is built on don’t work in a world where there are multiple uninsured road users.
It’s either that, or we just invent a blanket “living insurance” we all pay a regulated sum to once a year, in case we ever damage anything that doesn’t belong to us.