Will Cyclists Have to Pay Mandatory Insurance Like Motorists?

The UK Government recently published its cycle safety review, which recommended that a new charge be created for dangerous cycling. The review also recommended a number of other measures aimed at improving cycling safety, for example introducing a minimum overtaking distance for cars passing cyclists and some talks on mandatory insurance for cyclists.

The Department of Transport issued the review following the unfortunate death of Kim Briggs in 2016, who was hit by cyclist Charlie Alliston. It was after found out that Charlie’s bike was not road legal, having had no front brakes; Charlie went to prison for 18 months.

Matthew Claxson, Partner at Moore Blatch Solicitors, said: “We welcome the cycle safety review’s recommendation to create a new charge for causing death and injury by dangerous and careless cycling, bringing the laws governing cyclists in line with those that govern motorists. It is crucial that the new laws address incidents in which cyclists cause injury, not just death, through their recklessness.

“At the same time, it is important to ensure that there are adequate protections for cyclists who use the roads correctly. Our transport system has been designed primarily to accommodate motorised traffic, and action is needed to ensure that cyclists and motorists can safely share the road.

“However, the Government should think twice before heeding calls from some to introduce compulsory insurance for cyclists. Such a proposal would increase the cost of cycling, and ultimately serve as a disincentive. Many cyclists are in any case already covered by their home insurance, or the insurance policy of their cycling club – the focus should be on raising awareness of existing policies that cover cyclists.”