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You didn’t answer the question .

£35.71 pa with a bike value of £400 30 year old rider 3rd party and theft with £5,000,000 third party liability

To be very clear to those who think she was a School Teacher, she isn’t! She teaches yoga.

I would hardly call £650 a bit of a scratch, not really a viable response that ffs.

So what happens (as did to a mate of mine) a cyclist at speed and not colliding with anything smacks into the side of a stationary car causing circa £650 (T Reeve) of damage and doesn’t feel compelled to pay for the damage?

Can anyone tell me why cyclists SHOULDN’T have insurance?