It's a fact though - economical cars e.g. electric don't pay road tax, but they are insured if one was or caused an accident - an accident caused or involved in a road traffic accident pay no insurance - our cars are insured against uninsured vehicles in an accident not with a bicycle - must cyclist are careful as are car drivers, but if they cause an accident + no comeback on them - the Cycle lanes are great ideas for them, but some don't bother using them .....
Insurance alone for an over 18-year-old cyclist would be a start in the right direction - for the purpose above, surely ? Plus registration of their bicycle....