In message , Martin
Underwood writes

As an occasional cyclist, I'd willingly pay a small surcharge for insurance.

While I agree, there is an argument that cycling is such an excellent
form of exercise, saving the nation much in National Health costs as
well as reducing pollution for local journeys, that we cyclists should
be offered free insurance by the state

(I only wish I wasn't so much of a "fair weather" cyclist!)
--
Paul Terry